No need to apologize, we were all there "once upon a time". It's a great time in life. Some day you will look back and realize how great.
Remember, you are doing nothing wrong or illegal, that roll goes to the bad old bookies. Also, no matter what, the IRS is only a gov. agency. If you have proper (almost anything photo copied or in writing) documentation you are covered. They cannot eat you --- that would be illegal.
The most important thing here really is that beautiful bank teller I made reference to.
P.S. 80% of the stuff you worry about never comes to pass. Relax.