How are you penalized when someone disconnects? You still get your point.
Your idea won't work. If someone is losing, they will just disconnect to avoid losing points.
Besides, when you set down to a 5/0 game, you have dedicated the next 10 minutes of your life to that game, so what's the big deal if you have to spend a few of those minutes waiting to collect your point?
So, I love playing chess and spend time to play as soon as I can. Sometimes it means I have only a few minutes then I play blitz my favorite. But the problem is that you get so many players that, when they start to loose or get stuck they just disconnect or don't play until their time is over.
I also disabled chat because people insult you or try to intimidate you, not fair I know but human being is like that.
So Mister Administrator of the chess.com here is the solution:
when a player disconnect it should give the right to the other user to drop the game and don't get penalized (game 0-0). I know it will not solve the problem of players willing to disconnect but at least it will stop to penalize the ones who are fair players. And if the disconnection was real then I am pretty sure that this price will be accepted by many users.
I see many profiles with the comment of other players with copy/paste of "this user has violated...and may be ...". I don't know what this means but I am pretty sure it is harmless.
So please consider this option, it starts to become really really annoying to loose time because of unfair players. We buy your service, you need to do something about it, at least giving option to the users who are willing to implement such rule.
Regards,
M