Semi-experienced Riichi Mahjong player here (I at least know all the rules). In this hand, you do have a Yaku, but you are in Furiten because your opponent discarded a 3 sou into the pond and you didnt Ron it. Basically, if you pass up a chance to go out on a hand, Riichi Mahjong punishes you for it. It’s almost never worth it to pass up a chance to win the hand.
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