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Gambling can be Deception vs Insight, or Sleight of Hand vs Perception... or raw INT, or Strength (if it's arm wrestling) or Intimidate or-
(ttrpg.network)
This comic follows on from the Previous comic which might help provide context.
Why would Konsi play with such a handicap?
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Growing up as a street urchin, she never really had access to lots of clothes. When not wearing armour, or dressing up for an event, she’s still most comfortable wearing just a simple robe.
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She’s trying to practice keeping her cool under pressure, and that’s not effective if you have a lot of safety.
We basically run a system where we deal texas hold'em, and if you succeed at a relevant skill check, you get handed an extra card to use. It's not quite the same outcome for skill use as it would be, but it's a reasonable method to "skew the odds" in your favour.