Personally after a bit of grinding today I feel it is a bit rigged when you get 12 or 13. In such a case you should have a pretty high chance, at the very least, to not go above 21 but in majority of cases I went over 21, drawing 10 or 11 most of the time no matter which card the opponent had.

You will be able to get enough chips if you just grind long enough so I guess it is okay but still, felt kind of fishy