Caddie I'm impressed ...an inquisitive mind after all ?
Hopefully you will be equally impressed that I decided to read up on Blackjack . Was that your game of choice ?
How do you overcome the house edge and the house rules ??
By the way ...about Kiwi's and New Zealanders . Kiwi's stopped flying centuries ago . Why bother with flying , alls well here , nothing ever changes and there will never be anything dangerous to worry about. New Zealanders grow up with that "alls well here " so it can be quite a shock to venture out into the world and find its not as safe and forgiving as the environment they grew up in.