The other important difference is that a dealer's hard 22 is thought of a push (tie). https://365.expresso.blog/question/%ec%b9%b4%ec%a7%80%eb%85%b8%ec%82%ac%ec%9d%b4%ed%8a%b8-%ec%a0%95%eb%b3%b4-%ec%95%88%ec%a0%84%ed%95%98%ea%b3%a0-%ec%8b%a0%eb%a2%b0%ed%95%a0-%ec%88%98-%ec%9e%88%eb%8a%94-%ed%94%8c%eb%9e%ab%ed%8f%bc/
