You lost the hand. Was it a bad decision?
Blackjack is the tractable case. The habit generalises.
One hand · dealer shows T · you hold 9 + 7
Dealer
T♥
T♥
♥
SXT
You · hard 16
9♠
9♠
♠
7♦
7♦
♦
Which choice gives you the stronger set of possible outcomes?