I was thinking the same thing, I hate not having these options, but it balances out since dealer can bust after you do. Thats a huge advantage honestly.
As for the people wondering about gambling illegally- its perfectly legal since you can only put money in, not take it out. A normal gacha system most games use is just a giant slot machine, but since you dont win physical money its fine. The fact that they changed it here from a gacha to something with a skill component doesn't change anything. Even with playing against others, money is still flowing in just one direction, and thats all that matters.