You don't lose money but you pay the fee to join the pool/pot..not a free service but well worth it..
Discussion
Assume it’s a code of some sorts - can’t be centrally controlled right?
yes, just code but pot is centralised, running Coordinator software..at least on Samourai Wallet..unfortunately, Devs got thrown in jail when they were close to release decentralized version..Coordinator shutdown by DoJ