Imo, collusion (aka a form of stealing) only occurs if an agreement was made to first include and then force others out before chopping the collective proceeds.
If it happens to eventually get to heads-up naturally, and then two players subsequently agree to minimize potential losses by chopping or running it X times, that's not 'stealing'.
A theoretical “chop” option would (a) make it harder to detect the difference between planned collusion and a “natural” deal, and (b) give colluders an easy method of doing so—one that makes the collusion look more legit.
But again, I have *never* seen chop included as an option in any home or casino game where the players have already gotten it in.
If there are multiple players involved either as the hand develops or after they get it in, this option would create all kinds of potential for mischief, imho.
Example:
Villain 1 raises
The Mark reraises
Villain 2 shoves
Villain 1 reshoves
The Mark tank/folds
Villains agree to chop
If this happens more than once in a blue moon under normal circumstances, it starts to look pretty fishy (collusion by ganging up/isolating).
Colluders can always try to hide their plan by dividing up winnings privately post-game. But if you openly allow for a chop option, you effectively legalize the squeeze.
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