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Yes, it is foolish to play at a site that adopts considered policies with the goal of avoiding massive legal liability and the discerning interest of courts, enforcement officials, regulatory bodies and, oh, Congress. There must be a forest in here somewhere, but I can't seem to find it behind all these trees.
By the way, Party's terms and conditions state that disputes with them can only be heard in Gibraltar--and in their pre-IPO prospectus they say that their Girbralter lawyers told them it was ok to say this. Funny thing is, US courts get to decide if their Gibralterese lawyers are correct. [Hmm, didn't Californian's sue Nike for unfair labor practices in Vietnam? Oh, that's different, because it's legal to sell Nike's shoes in California. Oh wait.]
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I find it amazing that alot of people on this site don't seem to understand these basic points.