Hosting blackjack with friends at home with money?

How do people play low betting at home? Do they actually count actual chips as money or just say whoever has the most chips or 2nd place gets the pot?

Lets say there’s 5 players and dealer; everyone is willing to bet only $5 max. So the pot would have $25 (or $30 if you include dealer too). And each chip would be worth like 10 cents?

I’m thinking if the players keep winning then the dealer(house/host) would end up having to finance his own money more than the pot, so what’s the best setup/way to play with real money with friends?

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