If we agree on this ...
then you cannot believe these ...
They are contradictory.
Once it has been bet, the coupon no more than a reminder to the dealer that the payout structure of the game has been changed.
I think that you're in for a bit of a rude surprise. I tried applying your surrender model to blackjack and got nothing close to the strategy that Grosjean and I have both independently computed.
My pleasure.
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