I know five personal fouls calls for an ejection, but I cannot find anywhere why three fouls before halftime is a big deal.
Thank you for help
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"Big Deal" here is subjective. There is no rule in the rule book that says "If a player accumulates three fouls before halftime, panic"
From the coach's perspective, he would be at least slightly concerned should this situation arise (his player is 3/5 of the way to fouling out, with over 1/2 the game to play); how concerned would be dependent on his strategy, his plans to adjust his strategy for the second half, how effective that player has been during the game so far, and dozens of other non-measurable reasons