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USA to Cuba,is it legal?

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I read about travel to Cuba by US citzens being ilegal ....as recent as 97 a bill was passed and signed by Pres. Clinten enforcing current laws with fines as much as $50,000 for anyone caught traveling there. I have read books explaning travel may be made through Canada,Mexico,Caymen Is.and Bahamans.My only concern is the ilegal part. I have also heard that travel to Cuba was OK but spending U.S. dollars is forbiden .Some people buy all-enclusive travel deals obtained in foriegn countrys or use foriegn currencies . Does anyone know the exact law ? Please enlighten me .

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