Your issue is on line 19 in your if statement. In python, if you have more than one condition in an if statement, you have to explicitly mention it after the or.
Your if statement is
if again == "Y" or "y":
However, this will always return true because the second statement simply asks "y".
To correct this, simply change the if statement to:
if again == "Y" or again == "y":
This will correct your code.
Another thing to consider is to always convert a userinput (whenever possible) to one version, this can be accomplished in your code by converting "again" into one version by using the .lower function.
again = input("Would you like to draw a 3rd card? Y or N? ")
again = again.lower()
Hope this helps!