Money on deposit - safe?

[Tilt]

I am wondering about what the poker sites are doing with my money while it is on deposit.

How much capital on deposit does a major poker site have?

How is it invested?

What happens if there is a "run" on the site, and more withdrawals are requested than a site has in capital?

Is there any reserve requirement? I assume not because we are talking about an entirely unregulated system here, correct?

Is there any recourse available to a player if a site does not honor the redemption requests? Do the terms of the agreement with the player and the site make any legally binding guarantees, enforceable in any jurisdiction?

I guess what I'm wondering is whether online poker destined for some crippling publicity when one of these sites "blows up" financially.