I'm not to sure what you talking about...first off US and Non US sites are regulated and safe. Second you said "gather funds" for one thing if the Poker Room is A Non-US site you will not be able to register so there no way you can deposit funds.
It maybe your talking about forums and not poker rooms but as I said I'm not to clear on what you were trying saying in the first place...I have been online almost 2 years and have not had a problem.I have had funds at 3 room that closed and in each case I was given enough time to withdraw or transfer my funds.Might be I just lucky...lol