usa overview request

[cairpre]

Can anyone please give me a brief overview of the usa on line status? I had thought that the law was designed to prevent kids or idiots from running up huge credit card bills. Since I am willing to deposit cash I did not think it would affect me. But things seem worse than I thought Do I need to establish an overseas address and bank account to be able to play? Any suggestions on how best to do that?
Or are there good sites which will accept US cash players.
I'd hate to find out that the careful work I have done studying and practicing is now completely wasted. What are other us players doing. Thanks for any information.