How you quit gambling, or die (4,2,4,5)

I believe the answer is:

cash in your chips

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'how you quit gambling or die' is the definition.
I can't judge whether this definition defines the answer.

'you quit gambling or die' is the wordplay.
I cannot really see how this works, but
'you' could be 'u' (homophones) and 'u' is found in the answer.
'or' is found in the answer.
This explanation may well be incorrect...

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I've seen this clue in the Sydney Morning Herald.

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