(update)

score = 100

player_rect = pygame.Rect(50, 50, 40, 40)
obstacle_rect = pygame.Rect(200, 50, 40, 40)

if player_rect.colliderect(obstacle_rect):
    score -= 10

can_lose_points = True
cooldowm_time = 1000 #miliseconds
last_hit_time = 0

current_time = pygame.time.get.ticks()

if player_rect.colliderect(obstacle_rect) and can_lose_points:
    score -= 10
    can_lose_points = False
    last_hit_time = current_time

if not can_lose_points and current_time - last_hit_time > cooldown_time:
    can_lose_points = True