A pair of Jacks or better only gives your bet back. This is a stingy version of the table, so over many hands the house wins. While you owe money, the profit from a win goes to the bank first. If you leave in the middle of a hand, it waits for you here.
Your chips are saved in this browser and shared with the main menu. Out of chips? Only the main menu loan can save you, and it comes with debt.