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A retaining wall can only function as a fence if it’s high enough on all sides to prevent someone from accidentally falling into the pool. However, most retaining walls retain dirt, which means their purpose is not related to safety. There would need to be nothing on the other side of the wall for it to be considered a fence, but in that case, it wouldn’t retain anything and would cease to be a retaining wall.  

If you don’t have the budget for one, there are numerous ways to warm up your pool without a heater. You can improve the insulation, use solar covers to trap heat from the sun, or even let a black hose sit in the sun until it heats up and delivers fresh, warm water straight to your pool.

Check with your local laws, which might state that you have to build a fence around your plunge pool. If you have children or pets or live in an area with abundant wildlife, you should consider building a fence around your pool for safety. Pools can present a drowning hazard, and while plunge pools are not very deep, younger children can get hurt if they try to dive into them. A fence can help protect your family and visitors from injury.

In most states, it is a legal requirement to have a fence around your pool. Laws vary by state and city, so check with your state and local government for regulations specific to you. Additionally, most homeowners' insurance providers will require some type of fence surrounding a residential pool before they provide coverage.