Copperhead......You have a point with the fees from Neteller,but generally they do not bother me as I never take out under 500.00 so paying 15.00 does'nt bother me. Now I have learned since starting with them not to pull out all my money. In the beginning,when I won I pulled everything out,dumb...you pay 15.00 to pull it out if its not on a monday,then when I wanted to play again I had to pay to deposit again...Now I leave several hundred in either my gambling site or the reg. neteller account. What I want to take out is transfered from my neteller account to my neteller ATM card,I then go down to any bank carrying that card..(most of them) and use the card like any other ATM card....like I said before the only problem is you can only pull out 1000.00 every 24 hours...but unless you are hitting really good on a regular basis this should be no problem...also should you have money on your ATM card and you want to transfer it back to your neteller account there is no charge...there is a 2 charge (or 3 can't remember) for each withdrawal from the ATM card....my only complaint here is that when you transfer your money from your gambling site...why can't it go directly in your Neteller ATM account...right now it goes into your Neteller account and you have to go to the site to transfer it to the ATM account...its fairly simple now,but in the beginning it irritated me...Hope you have great success......and for your other inquiry,I too wonder what will happen if it is against the law and we get caught...I have never been arrested and the chance of that scares me,but obviously not enough to stop,LOL. But like you or someone else said,there are millions of people gambling online everyday,I cannot see that changing.....