Currently you only lose rating in live chess if you lose a game after 4 or more moves. This makes no sense since after opening traps such as 1.d4 Nf6 2.Bg5 c6!? 3.e3?? Qa5+, when black should win fair and square, white can just resign and lose no rating. I even encountered someone who plays 1.e4 d5 2.exd5 Bg4?? as black and if I take the bishop, he'll just resign, and even get white in the rematch. Why don't you just lose rating after 2 moves?