Kandy Man is right, if you run out of chips, the game will give you some more. You will not earn XP for a few hands after that but there is no other penalty. You have already paid for the game, you certainly don't need to pay any more real money or MS points if you run out of chips.
I have some tutorials aimed at beginning poker players up on my YouTube channel, please take a look, maybe they can save you from making some costly errors. Have fun with the game!