when the chips [are] down

used for referring to the time at which a situation gets really problematic, serious, or challenging

The idiom "when the chips are down" originates from the world of gambling, where "chips" represent one's bets or stakes. In this context, it is used to refer to a situation in which one is facing a challenging or difficult situation, often when one's circumstances are at their most critical.

One day when the chips are down, you will know who your true friends are.
The manager demonstrated her leadership skills when the chips were down, guiding the team through a crisis.
You really get to know someone's character when the chips are down, as their true nature becomes evident.
In times of financial hardship, people often show their resilience and creativity when the chips are down.
When the chips are down, it's important to stay focused and not let fear or doubt cloud your judgment.