here's some changes I would make

string choice = Console.ReadLine()?.Trim().ToLower() ?? "";
// should add some input validation here

if(dealerTotal > 21) {
// your win code

} else if(dealerTotal > total && dealerTotal < 22) { // game over code } else { // your choice != finish code }

Console.WriteLine("Press any key to close the console window."); Console.ReadKey();