Perhaps, but chess.com should know if their server is having issues. Why punish us when it is their problem?
Server Disconnect
No you can see that you are disconnected...there is a notice on the top of the board. When the server is going down both players are shown as disconnected. The one to play when the server goes down gets the lose even if they are clearly winning.
Why does either player get a loss when your server goes down. At a minimum cancel the match rather than giving someone a loss.