To clarify for some that need to understand my pictures I post, I play at 4 casinos in the region most of the time, with favoring two of them. First is the one with the 'Bad Beat Baccarat' layout, where the table limits are currently $25.00 to $5,000.00 and anyone can wager on up to 3 empty spots if they are empty as well. You can also wager on other players spots if they are under the table limits, even if you are at table limit. Table limits are PER SPOT only. Please read the table board, it has the info clearly on it. The Bad Beat and Side Wagers are generally max'ed out at $4,000.00 payout. Example, $20.00 on 3 card 8-9 would pay out $4,000.00 and that $20.00 is the max wager on the 3 card 8-9 or $100.00 on the Fortune 7 wager, etc.
The other one I frequent is currently at a $10.00 to $2,000.00 limit. You can, depending on amount of players sitting at the table, wager on their spots as well, but not empty spots. If it is crowded, depending on the floor people, they might or might not allow you to wager on other spots you are not sitting at to get over the $2,000.00 limit if you so desire. Or of course you can have another wager for you without the floor knowing, if you so desire.