i can make a scenerio and we can continue from that point,i will be arlecchino and you'll play being me
lets do this!
if you win more than 4/10 games i will give you 10$ free and if i win atleast 6/10 you would give me 10$
wanna bet now?
Generally you should surrender when you have 0% chance of winning the game. I can take your bet if we change it to you winning 100/100 games from that position. 40% chance is > 0% so I don't get your logic... In any case I also support changing luck from 16% to 0%, however it's very weird that you blame luck in that particular game, you clustered a 5-bonus which is riskier than your opponents picks, you finished 2nd bonus no problem (luck was on your side) and then you surrendered prematurely...
In general, my point is, that the game you give is not really a good example of why the template is bad. 5v3 fail? your luck was ok on those. 13vs8 fail? Well, your opponent did not really have to attack. better example would be a game where 2 people have 1 safe 3-bonus and border each other with their 2nd or 3rd pick and one person finishes their bonus, while the other does not. What I'm trying to say, even if the template is not 0% luck, you can take steps to maximalise your win rate. Showing a ragequit in a position that was possible to save does not really say much about the template.