1. A method for converting credits to funds comprising: identifying entertainment credits from a game of chance associated with an entity with which said user has previously interacted, the previous interactions earning the entertainment credits, which are non-negotiable credits; responsive to a user request, a conversion agency converting a quantity of the entertainment credits to a quantity of negotiable funds, wherein the conversion agency is not directly associated with the entity; and permitting the user to access the quantity of negotiable funds, wherein the quantity of negotiable funds are able to be applied to user specified purchases, wherein at least a portion of said user specified purchases involve at least one vender that does not honor the non-negotiable credits.