It would seem to me if your chargeback concerns were geniune, you would implement this only with the usa players and not total earnings. In addition, I think a 10% holdback on earnings would more than cover any risk and affiliates would probably have no problem with this. I mean common Tim, even in light of the bill we are all smart enough to know that your holding back way way more than is needed, and frankly I question your money flow right now more than anything. I think affiliates would have no problem working something out regarding the increased possibility of chargebacks from usa players, but you are not being at all realistic with our money. The money your holding back does not jive with realistic chargeback numbers. I would suggest the powers at be rethink this, or you will bite off the hand that feeds you permanently. I was curious who the first company to play games with our money was going to be. I guess we all know who it is now.
I can promise you one thing, when I get big enough, I will not work with any company that does not give me a deposit. This is a classic example why big affiliates need one. You have the clout, you can deliver the goods, if they want your business they will give you a deposit and you can protect yourself against this kind of bullshit.