Thank you for sharing your thoughts in such detail. Disconnections can definitely be frustrating, whether they happen because of a server issue or an unstable connection.
Currently, any disconnection is treated as the end of a game, mainly to prevent abuse. This is why ratings are still affected, even if the disconnection was not intentional. So, if the disconnect happens on your end, you will lose and if the disconnect happens on your opponents end, you will win.
Personally, I believe that the fairest outcome would be for disconnected games to be considered null and void, with no rating change for either side. That way, players wouldn’t be penalised or rewarded for something outside of their control. Of course, implementing that system reliably would require development work to ensure it can’t be exploited.
Your suggestion has been noted and I’ll be sure it is passed along. In the meantime, using a stable connection and keeping browsers/devices updated is the best way to minimise the issue.
Thanks again for raising this.