Bro Dumbell,
Pls allow me to try to answer to your question to the best of my understanding.
1) banker 4 pts : insurance 1 pay 1.5, in this case, is player 3 cards already 4pt, banker going to take nx card?
Ans:
After 4 cards opened
- If banker 4 (4 cards only), player is <4 (0, 1, 2...