This violates Federal law and the justice department has recently begun to aggressively prosecute these crimes.Ask a similar question
At this point in time this is an incredibly complicated question. The states and the feds are not on the same page when it comes to Internet gambling. Further, poker by itself has become another problem because some courts call it a game of skill and not a game of chance.
You seem to understand that playing Poker online is the legal part of the Wire Act, but gambling transactions are the unlegal part. You also seem to understand that paying and receiving money online can become complicate.
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I completely agree that this is a very complicated question especailly as it relates to players.
There is now court precedent as noted that may serve to change this legal landscape.
That said, as a player you are very unlikely to be prosecuted for merely playing. But your use of these sites may violate state law as well and of course because they are all based abroad you need to be careful about putting too much trust in them.
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