Regarding your list;
I have to believe that most of the problems with the online casinos is that we the players don't want to read the fine print and when we go to cash out expecting to get paid, we feel they screw us out of it.
I'm just a player, and not any part of any casino, but I have won at the Virtual casinos and also Silver Oak. I won at Silver Oak 4 times recently and was paid in about 10 days from cash out. I did have a mis-understanding but was able to resolve it with a few explanations in my favor.
Regarding Virtual casinos, I agree they pay slow. I won there 7 times and almost always it was about 2 months from cash out to getting the check but I got every one except one. I did get screwed out of that extra $50 for using a credit card
because the chat person told me I didn't have to use a coupon. I won $250 and they did deny it. My deposit was only $30 though, can't win them all.
My advice is read and follow the restrictions, and always be patient and polite, face it they've got you by the balls when you want your money. Chat and email can be very hard to express emotion, you might be smiling but your message may say something else. Best of Luck to ALL of us