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Also, being American does not preclude you from playing online.
This. I know a couple of former online pros that still live in the U.S. and are now hybrid live/online pros. Yes, American online tournies are smaller now (hey, lower variance!). For example, there are $100k GTD Sunday tournaments on Ignition Casino that pay $30k for first. There's a $300k GTD special event coming up in August. The software isn't as nice as the ole Full Tilt and PokerStars, but it works and I rather enjoy playing on there.
America's Cardroom is also pretty solid with big tournies, though I don't play on that site as much (just preference)
Both sites have been around awhile and have good history of paying out, but obviously people are still skittish after Black Friday's events.
If you have a mental block about livecash - then be like me, just play live MTTs! Early in the tourney it feels like shooting fish in a barrel. So easy to play. I target the recs, iso, and steal their chips. Build a stack to play against the competents you might find later in a tournament!