I'm one of the few who actually owe Full Tilt (or whoever) money.
Two or three days before black Friday I made a $200 deposit. The funds hit my Full Tilt account immediately (allowing me to play) but the payment processor never took the money from my bank account. I think this was the root of the Full Tilt problems. Needless to say, I won't be contacting them.
I miss playing online. I've tried some smaller sites but its just not the same. I guess it remains illegal because our govt knows what's best for us.