Chaim,
You will run across A LOT of wireless access points that are wide open and will allow anyone to connect. Usually, this is due to the owner not knowing that a default, out of the box setup provides no security. Many people are thus able to freeload on their neighbors' DSL or cable connection.
A "hotspot" is simply an open access point intended for use by persons other than the owner. Some hotspots are wide open, i.e., free to use. Others require you (via a web redirect) to accept their terms of service, but are still free. Yet others require an authenticated login and cost $$ to use.
Yahoo among other sites will allow you to search for hotspots in a particular area, and let you know if they are free or require an account.
If you end up getting your own Internet account at home and setup a wireless access point, make sure you follow the instructions included with the access point to secure it, to prevent unauthorized users from using your connection. It's not hard.