Pool Rummy: A Combination of Luck and Strategy. At the start of a game of pool rummy, each player adds a certain number of chips to the pool. Aup ludo ups players lose, they accrue penalty points, and the winner of each round takes home chips from the pool. The round goes on until one person is left without accruing the maximum number of points or until a player reaches a predetermined number of points. Additional Interesting Changes.