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Using chips, tokens, credits etc, is just a way to make the customer feel like he has more money than he actually has, in hopes that he will spend money more quickly.
Creating crazy values like what you described above though is intended to make it harder for the customers to count, adding another layer preventing them from realizing how much they are spending.
We added a token system to LiveCamNetwork years ago. Our software lets you (the website owner) name your tokens anything you like (Tokens, credits, srockhardbucks, etc), and apply any value you like to them ($1.00 buys 1000 tokens for example).
In the end though I regret this feature. I think customers prefer to know exactly how much things cost in dollars and cents instead of cloudy, murky "tokens".
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