What is the figurative meaning of the chips are always down when it is our turn?

The phrase "the chips are always down when it is our turn" suggests that challenges or difficulties seem to arise precisely when one is about to take action or make a decision. It implies a sense of pressure or urgency, indicating that we often face our toughest moments at critical junctures. This figurative expression highlights the unpredictability of life, where obstacles may emerge just when we need to step up or take risks.