1. A software method for converting non-negotiable credits into negotiable funds comprising: initiating a commercial transaction between a user and a storefront involving the user receiving goods/services from a vender associated with the storefront, wherein the vender does not honor non-negotiable credits earned from a game of chance; during the commercial transaction, receiving a user request to convert a quantity of the non-negotiable credits earned from a game of chance and held in a user account associated with an entity that provided the game of chance; automatically determining a conversion rate between the non-negotiable credits available to the user and a form of negotiable funds; automatically subtracting a quantity of non-negotiable credits from the user account; automatically transferring a quantity of the negotiable funds based upon the determining step to a financial account associated with the vender, wherein the financial account is not associated with the entity that provided the game of chance; and completing the commercial transaction; wherein the receiving, determining, subtracting, and transferring are performed by computing equipment running software stored in a non-transitory storage medium.