When the chips are down.

Richard a prolific but not very successful gambler who owed a mob run casino quite a bit of money which he could not pay back when they called his loan in listen to the offer on the table between beatings.

Either he let them turn him into a woman and set him to work in the casino to pay off his debt or it was a shallow grave in the desert for him.

So what choice did he have then to let them turn him into a woman and put him to work as a cocktail waitress paying his debt back at $10 a day which meant he would be paying it off for the rest of his life unless he could find an alternative way of making money so he could pay it back quicker.