28 points = Häkkinen lost 10 points + Schumacher gained 4 points, twice. But in the end Schumi would have won the title even with unlucky events removed. Somehow like this (and I counted Schumacher's Germany incident his fault)
Australia: MH 1st, MS 2nd. 10-6 Mika
Brazil: MH 1st, MS 2nd. 20-12 Mika
Imola: MS 1st, MH 2nd. 26-22 Mika
GB; MH 2nd, MS 3rd. 32-26 Mika
Spain: MH 1st, MS 2nd. 42-32 Mika
Europe: MS 1st, MH 2nd. 48-42 Mika
Monaco: MS 1st, MH 4th. 52-51 Schumi
Canada: MS 1st, MH 4th. 62-54 Schumi
France: MS 2nd, MH 3rd. 68-58 Schumi
Austria: MH 1st, MS 3rd. 72-68 Schumi
Germany: MH 2nd, MS DNF. 74-72 Mika
Hungary: MH 1st, MS 2nd. 84-78 Mika
Belgium: MH 1st, MS 2nd. 94-84 Mika
Italy: MS 1st, MH 2nd. 100-94 Mika
US: MS 1st, MH 2nd. 106-104 Mika
Japan: MS 1st, MH 2nd. 114-112 Schumi
Malaysia: MS 1st, MH 4th. 124-115 Schumi