Prototype card and dice betting game

A quick prototype of a game idea I had.

The player has a single suit of cards from a deck (13 cards) and a 12 sided dice, the player is attempting to play some number of cards that will have an equal lower face value than what they roll on the 12 sided dice.

This means an Ace is always beatable and a king is never beatable and the rest fall on a bell curve of probability.

Currently there's no penalty or actual betting built into this, just checks on if you were successful and how many in the hand were scored. I'm looking for feedback on how to implement betting and penalties for that side of the game.

I did originally envision this akin to a d20 skill check, with the difficulty of a task being how many cards you have to draw or beat, but it can also be used for any kind of probability based betting game.