My town has an outdoor pool, £5.50 for adults, £3.30 for children, you have to prebook for 2 hour slots.
We also have a river.
Guess where the poor people that can't afford swimming lessons go to play.
Despite my insistence on safe depths in the sea and only using lifeguarded beaches to swim (ankle deep fine without lifeguards), ds2 got caught by a rip tide in Perranporth when he was a teen. Fortunately I spotted him immediately, grabbed him and followed advice to swim with the waves slightly sideways to bring us both in. I was very happy to see the lifeguard heading in our direction, even though we were back in a safe depth when he got to us, albeit in with the surfers.
It is so easy to get caught out when you don't know the beach or the tides, or inland with rivers and lakes.