No Thanks! Card Game

This game sounds so simple, and it is: Take a card or pay one chip as you try to avoid points. If you take the card you get its points, but points are bad. But you also get the chips that others have played to avoid taking the card, and that’s good (each chip cancels out one point). And there's one more twist: If you collect cards in sequence, only the lowest one counts against your score. So say, 'No thanks!' and play your chips, but watch out: When you’re out of chips that card’s all yours.