Like alot of people, I am confused about the insurance in BJ. Most say it's a bad idea; However, assuming you bet the full half bet the net effect is that you break even. Of course, if the dealer does not have blackjack, you'll lose the insurance bet. Say I bet $20, dealer has Ace, I bet $10 for insurance. If dealer has BJ, I get $20, correct? If I as well have BJ it's a tie, but I win $10. If I have 18, I lose $20, but still win $10. So why is insurance a bad deal then? Is it any worse than playing 2 hands, losing 1; or doubling down and losing 2x your bet? Or splitting and losing it all?