Wow, people actually bet on losses. imo that drags down the morale of the player as well as the team’s.
Meh, I feel like none of the bids except for 9 on a win really screams "I know you can do it!" and instead shows that you're attempting to cut losses at least somewhat if something doesn't go as planned. 3 cards on a loss at least guarantees you'll keep some of your more important cards in the event that something bad happens.
If cards weren't used for bidding (and bidding was done just for fun) it'd reflect a lot more on how the team and its General looks at its players and its element in general. I'd have a reason to worry about morale if that were to happen.