Thanks for writing in, I really like to hear other peoples thoughts on this subject. Just in response to your first statement, I believe they do not allow US customers due to a lawsuit of $75,000 made by regulators after the hack. Because they initially spread the losses across all users instead of leaving a few people on the hook for everything I believe they stopped servicing Americans to avoid legal trouble. For the second note, I am not sure to be honest but I will do some investigating and get back to you. Personally I do not have any US dollars on bitfinex, the only time I would is if I sold an altcoin and wanted to buy something else. I like to use USD to buy coins as its easier to monitor but the dollars are in my account for a maximum of 5 min.

Thanks reading!!