I'll shoot.William feels that it is more fair that a person who stops the game prematurely be penalized if he is not actually in the lead. As it is, if a player has 20, he should always stop the game since he knows his opponent doesn't have 21. For that matter, a player with 19 is very likely to stop the game for similar reasons.This has the likely effect of promoting slightly more frequently complete games and slightly more tension in cases of ties scores. OTOH, it makes for bad TV to lose when tied like that.