1. Poker is rigged. Ask anyone who is in the red.
2. It's not illegal for you as a US citizen to play. It is illegal for financial institutions to facilitate the transfer of $$
3. Cashing out isnt something 85% of people ever have to worry about, so dont get hung up on this one.

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If you feel you have a question, dont be lazy; make sure you have asked yourself first. Then search the forum, then just fucking google it to get as much detail as you can. You may then seek clarification on specific points from others.