First of all, let's clarify the amount. In the casino, when Bond cashes in the chip, he receives a case that is stuffed full of packets of large bills. I would estimate that the amount was at least a million USD, but probably much more.
I believe that the point of using the casino chip is that it offers both sides several advantages. For the assassin, it offers greater flexibility in how and when he collects his fee.
For both sides, it carefully decouples the crime itself from the payment for the crime. The chip also allows the customer to ensure that the job has been completed properly before paying out, and simultaneously giving the assassin a more meaningful form of IOU.
For the customer, it allows him to make the payment using an existing system for paying out large amounts of money. "This guy came in and won a whole bunch of money gambling." It also gives the client an opportunity to kill the assassin and so avoid paying the fee at all.
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