A person with "nothing to lose" is someone who does not stand to suffer significant harm by taking particular risks.
Literally, we all have something to lose - unless we're dead, we can lose our lives. However, as a figure of speech, this phrase has quite a few uses.
Example: "I know you tried calling the front desk twice already and got a busy signal, but you have nothing to lose by trying again. So keep trying, OK?"
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