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On the flop if you shove your $4.85 (remaining effective stacks) you offer him pot odds of 4.85/(0.65+4.85+4.85)=46.86%
His equity against your hand with for example As8s is 48.08%. So indeed he would not make a mistake by calling.
That is why you do not shove. You bet the pot, and he makes a mistake by calling your bet to see a SINGLE card, because you give him pot odds of 33% and he has only about 25.5% chance to improve on the turn (12 cards out of 47).
If he does hit, you don't put anymore money in the pot (and to make it simple let's say you loose the hand every time he hits).
If he does not hit, you bet the pot again ($1.95) and he has another chance to make a second mistake by calling, because he again is facing 33% pot odds and he again has about only 26.1% chance to improve (12 cards out of 46).
So the EV calculation of the above play is as follows if he calls twice:
0.255*(-$0.65)+0.745*[0.261*(-$0.65-$1.95)+0.739*($0.65+$0.65+$1.95)]=$1.12
or in English: 25.5% of the time he hits on the turn and you loose the $0.65 you bet on the flop. The remaining 74.5% of the time, he does not hit on the turn and you bet the pot again. He calls and 26.1% of the time he hits on the river and you loose the $1.95 you bet on the turn and the $0.65 you invested on the flop. 73.9% of the time he does not hit on the river and your total profit is the dead money that was in the pot on the flop ($0.65) plus his flop call ($0.65) plus his turn call ($1.95).
The same play is +EV even if he has AsKs, do the calcs.
With AsKs though, it would be mathematically correct for him to open shove the flop if he knows you will call, because you can't call profitably (pot odds 46.86%, your equity 45.4%). However, if he check raises all in your pot sized bet and you call, you don't make a mistake. Do the math.
Also, you have to turn your mind around: with the above play, you are not "defending against a draw": in fact, you extract value from a draw. When you bet, you should hope he calls (or even check raises you). In a tournament it may be different, but in a cash game, you definitely want this guy to put money in the pot.
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