Ignoring your grammar and vocabulary errors (like "morale check" instead of "morality check"), I generally agree with your sentiments. It is incumbent upon sites to provide protections for those who suffer from problem gaming, and upon players to be watchdogs on the sites.
I wouldn't expect any of the existing sites based outside the U.S. to be attentive to this issue. They are poorly regulated, if at all, and for the most part have shown no regard for player welfare or their own morality.
The upcoming problem is with the newly regulated U.S. sites. One of the political talking points for U.S. regulation of online poker has been how much easier it is to monitor play to detect problem gaming than for live gaming. However, all of the bills and regulations have had little or no requirements to take advantage of the technological advantages in this respect.
The NJ regulations gave it a nod by requiring sites to notify players when they reached a certain threshold on their account deposits. This is far removed from the full protections that could be afforded.
The DE regulations are the worst I have seen for protecting problem gamblers. They offer only a full self-exclusion from all online gaming (no self-limits or limited self-exclusions) and require anyone asking for self-exclusion to sign a statement that they suffer from problem gambling. How many are going to take advantage of this when their only choice is to admit a full-blown addiction?
Regulated sites need to be required to implement a full-array of protections, including:
Self-Limits and Self-Exclusions by Site
a. Amount-based deposit limits within a chosen time period.
b. Amount-based loss limits within a chosen time period.
c. Time-based session limits.
d. Amount-based total buy-in limit.
e. Amount-based stakes limits.
f. Exclusion from particular games.
g. Time-based exclusion from all gaming.
h. Lifetime exclusion from the Site.
Self-Exclusions for All Sites
a. Time-based exclusion from all gaming.
b. Lifetime exclusion from all Sites.
Threshold Alert Markers*
a. The Player’s lifetime deposits to their account reach the benchmark amounts of $2,500.00, $20,000.00, $100,000.00, $500,000.00 and $1,000,000.00;
b. The Player makes five deposits to their account within any 7-day period without any intervening withdrawals;
c. The Player makes ten deposits to their account within any 30-day period without any intervening withdrawals; or
d. The Player makes no withdrawals from their account within any 120-day period, where the Player has participated in wagering in each of the four successive 30-day periods.
*Requiring positive action by the player to self-unlock their account for further play.
Personal Contact Flagging
Whenever a Player’s account is locked three times within a one-year period for either ‘b.’ or ‘c.’, a Site employee trained in responsible gaming policies and procedures shall make personal contact with the Player by phone or email to take appropriate actions before the Player’s account may be unlocked.
See my Guideline for Online Poker Regulations
for further details on this issue.