Who is to identify all the positions where this FIDE rule applies?
http://www.fide.com/component/handbook/?id=124&view=article
"1.3 If the position is such that neither player can possibly checkmate, the game is drawn.".
In these cases if an opponent refuses a draw offer, then the 50 move rule will allow a claimed draw.
"9.3 The game is drawn, upon a correct claim by the player having the move, if:
a. he writes his move on his scoresheet and declares to the arbiter his intention to make this move, which shall result in the last 50 moves having been made by each player without the movement of any pawn and without any capture, or
b. the last 50 consecutive moves have been made by each player without the movement of any pawn and without any capture."
You could request such a game be adjudicated, and you can block your opponent from future games.
the insufficient material auto-draw function should be UPGRADED.
Example: