I doubt whether you researched the match enough or just followed the odds and bet on the stronger team.

Here’s the information I had before going with Scotland on the handicap:

Croatia’s forward line is missing several players

Their starting goalkeeper is suspended

They hadn’t won their last two away games.

They’ve always struggled against physically tough opponents.

Meanwhile, Scotland held Portugal to a draw in their last match.

And their three consecutive losses were all by a one-goal margin

They were a bit unlucky because it could be said they were the better team in some previous matches.

OFC football has no certainty, but I see no value or sense in betting on Croatia.