Hey Rick, Thanks for checking us out, and we added in the public login to drive a social gaming environment. We will rarely hold money for as long as three months, it is in case we have an account be of concern based on our security protocol. We will be publishing this security protocol in a white paper as well as adding in standard login. Skilled gaming is also allowed by PayPal and Coinbase, while gambling is not. Feel free to email me at [email protected] if you have any questions.