For US players: risk you associate with your online bankroll

[Rigel]

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I trust the sites I use with my money, btw, it's the people between them and me that are the problem.

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BINGO! This is what so many people here are failing to understand.

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That's why poker sites should have an ABSOLUTE policy that if you show up at such-and-such place (e.g. a certain bank in Geneva, Switzerland) with a passport ID and can answer your account's security questions, you have an absolute right to be given your money in cash.

Now, a lot of people would just decide to keep their money in the account without going to the trouble. But the absolute right to withdraw your money in cash has to be there, IMO or I would not keep any large amounts online.