Standard texts say that whenever the rate of annihilation goes below the rate of expansion "decoupling" takes place and when the abundance of the decoupled entity does not change with time we say "freeze-out" has taken place. First of all, why an entity decouples when the temperature of the plasma (earlier with which it was in thermal equilibrium) goes below the mass of the entity concerned? In an annihilation process A+B->C+D, after A and B are decoupled, what happens to chemical potential ?