Zippy's   Zippy's is Hawaii's default eatery. The ubiquitous outlets family restaurants that encompass takeout windows, bakeries, bars and full dining rooms in various configurations are so much a part of the landscape here that Zippy's chili tickets are a popular fundraising feature, and the chain does a booming online business in packaged foods for homesick Islanders elsewhere. Although the chain pioneered efforts to create more healthful local-style fast foods, chili with hot dogs and rice, hamburger curry, won ton saimin and deep-fried cutlets with gravy will always be what we really want to order.  Various Oahu locations. Various hours, some 24 hours daily. No reservations. AX, MC, VS. Checks accepted. $.  Web site: www.zippys.com