That's well and good, but don't you think you are putting just a little too much weight into the assumption that the dealer is holding a face card? What if the dealer was holding a 5 - once again, the "idiot" just saved you.
Better yet - MUCH more importantly... Surely you will at least agree with this: If the chances of a bust card coming next are 8:5 when the bad players takes it, aren't those STILL the exact same chances of a bust card coming when the dealer takes the NEXT card??? Of course they are. THAT is the point. The bad player's action doesn't affect the dealer's hand (in the long run - it's a complete wash). All he is doing is hurting himself.
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