Cryptic crossword clue
One has no need to pick up the tab 3-6

The most common and most likely answer to this crossword clue is the 10 letter word NON-SMOKER

I've seen this crossword clue in Financial Times
N
O
N
-
S
M
O
K
E
R

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The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does NON-SMOKER mean?

NON-SMOKER noun
  1. Somebody who does not smoke tobacco.
  2. A railway carriage where smoking tobacco is not permitted.

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