If anyone ever needs to turn non-nego. chips into regular chips, with the lowest cost and risk possible, I suggest the craps table. Put half of the stack on Pass, the other half on Don't Pass. There is a 97.2% chance that you will lose on one stack and win on the other (any initial roll except 12). Yes, there is a 2.8% chance of a 12 on the initial roll, in which case the Pass loses and Don't Pass pushes (i.e., you lose half of your chips).