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Meaning if you sign up for an account with one, you cannot cash out to a US bank account. You would have to have a foreign bank account or work with a friend, and then we get into the issue of money laundering and even bigger crimes and punishments.
Wrong. For example, Pokerstars will send you a personal check that will have no problem clearing in any bank (it's from some non-descript LLC). If you win a large amount of money, you can have them wire the money directly to your bank. And I bank at Wells Fargo, the most hard-line opponent of working with the online poker sites.
Google are you watching?
What a silly question. I suggest that you google the phrase "google are you watching?".