Sounds to me like N1kita needs a new, rakeback enabled account at Full Tilt.
And I've never heard of the issue you are talking about with Oceanwaves. You're talking about your wife having a legitimate account to play in some private tourney and low stakes stuff (not one for you to multi-account/collude with)... I don't see why that would be a problem at all.
Make sure you sign up through my RB links if/when you do decide to set up the new accounts.
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