The misinformation on who and how one can travel to Cuba is always remarkable. Some propagate it intentionally, others are outdated, others spread rumor. Here are the official answers, some of which changed over the last couple of years. Travel information is in the middle of the page.
The most common cause for confusion are stories about people that get away with it, rather than actually comply with the law. It has eased up a little bit, but it's still very difficult. If what you're doing smells like a scam, it is.
If you don't like the law, vote for people that will change it.