I understand the second problem, that is a true problem. But, about the first problem:
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User problem 2: I put aside a fixed amount of time to play chess but then my opponent quits just a few minutes into it and I don’t have enough time to play another game. Their quitting robbed me of the opportunity to play a full game of chess.
Solution: Match people based on similar resignation percentage. Competitive non-resigners play each other and non-serious quitters play each other