If one has to leave in the middle of a game in an official OTB tournament (for whatever reason) and asks for a draw because of that, they will be laughed at. If you have to leave before finishing the game, you forfeit, period. Why should online be different?
This is a problem here. People disconnect or abort instead of resigning.
I am not sure what you are getting at. My point was that you have to resign instead of asking for a draw if you have to leave and can't finish the game.
Disconnecting or aborting unfinished games is against chess.com's sportsmanship policy. You can report people who do that. There are penalties for that.
It depends if you value your 8 ELO that you might win more than doing a common kindness for another human being. Of course you're not obligated to be kind. I've done it when I've been winning. Other times not.