Advice from a law student taking a break from finals:

1.) yes, your money is in jeopardy. you violated the terms of service by signing up when you were under 18. While it is dirty that they don't check until you accumulate significant earnings, that doesn't help your cause i'm afraid.

2.) the fake ID idea is awful. Don't do something illegal to get out of something illegal.

3.) while the "little kid" comment was harsh, I think I understand the point. Those of us who are 18 and over are concerned to some extent about the gray area online poker occupies in the states. a couple weeks ago, a 60 minutes segment talked about online gambling, and their big moment was when they tried to have an under 18 sign up for a site. The public tolerates people who've reached the age of majority gaming online, but frown upon minors doing the same. Simply put: those of you who are under 18, don't get involved in something that you want to be around once you reach that age.