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so why would you ever bet anything other than banker?
It makes no sense to do anything but bet banker all the time.
It is not unusual for distribution of cards to favour the player, the two bets are quite evenly balanced.
Baccarat is by far the best AP opportunity out there in terms of absolute return, for the simple reason you can get way more money down. It is beatable in a dozen ways or so.
If you aren't a high-roller forget it apart from the occassional major casino procedural screw-up. If you are, then it is very easy to make money by hustling kickbacks and not chaining yourself to the table.