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RE: GAMER Buyback System is LIVE
May we know how do you arrive at the 3% without the surrender option? Here is the link of our exact house edge calculator (https://wizardofodds.com/games/blackjack/calculator/):
Based on this calculator if someone play perfect hands the house edge is 0.35%, however I don't that's what most players would be able to achieve. Human is generally sucks at gambling. Of course I don't have a calculator to pull up that number which is mostly based on my experience and perhaps this article:
https://www.gamblingsites.com/blog/the-house-edge-in-blackjack-28277/