I make transfers with one other player, my fiancé. I have never sent or received one from anybody else. And I have never created or played in a home game with friends. ( not even really sure what that’s about, first time hearing of that)... I have however ended up at the same table as my fiancé maybe a handful of times. We do play a lot, but this has been over the course of a year approximately.
This is where you have the big problem.
The sites are regulating the issue of multi-accounts, especially playing at the same tables.
I have been playing on PS for more than 15 years and I always have the same account.
I have made multiple withdrawals from my only and first deposit of US$10 and they have never caused me any problems. On the contrary, every time I withdraw it doesn't take more than 1 hour to deposit it into my account.
The problem is that PS does not take into account whether it is your fiancé on the other account, but directly relates it to a possible cheat, playing 2 accounts on the same table is too much of an advantage over other opponents.
Nor have I ever made or allowed transfers from other accounts to my account.
I mean, in my case it is very personal and since I make a living from poker I take it very seriously.
I think that possibly your solution would be to make a new account, with a new email, and not relate that account to your fiance or to anyone. Then I think you wouldn't have any more problems.
For me PS has not changed at all other than it just has many fewer players than a long time ago when it was the top
poker site.
Today their businesses revolve more around live poker than
online poker, it seems to me.
Also don't worry, because there are multiple places to play as safe as PS was for you.
At least I've only been playing on PS for a while and now I've been playing on GG for more than 6 months and I really like it.
Greetings