So, if a player miss the bj because he doesn't know how to play efficiently, payout still stays at 98%, but player would have lost all his money without making BJ at all or just few blackjack. What i'm meaning is that the number of BJ realized depends on the player quality, not on payout only. Did you know that?
Please do not go into this discussion, most of those who reads this thread is VERY aware of how Black Jack is supposed to be played and how it works.
If you get Black Jack at your casino it´s only if your first two cards(which you don´t pick/chose at all) gives you BJ.
You can´t in any way use your skills.
EDIT to add: You can´t chose not to have Black Jack if you know what I mean.