You're right it is pointless to discuss this instead of just contacting the staff directly with whatever suggestion you have here. BTW have you read the existing policy as stated in Help & Support? Pls spare me the righteous indignation in case you have, but a lot of members would never dream of doing so thus I was just wondering if you did or not
BTW how can you be so sure the "vast majority of players that disconnect during live chess do so voluntarily" are you familiar with ISP coverage everywhere from Albania to Zimbabwe? Because not all unintentional disconnects are due to "PC problems" unless by this you also mean problems with ISPs, servers, chess.com and problems with applications for various devices such as phones etc.
Is there any way that we could get a Live Chess option to play games in which a player loses automatically if they disconnect? Obviously it would be completely optional so anyone using it couldn't complain that their Internet went out and caused them to lose a game. You could also play rated games using this since, again, both people agreed to use it just like they agreed to the time controls.
It seems like it would be a great way to avoid those many, many people who either disconnect when losing or, even worse, disconnect then attempt to reconnect before the server "times them out" in hopes that you have AFK'd/Alt-Tabbed while waiting for that to happen.
I'd bet big money that the vast majority of players that disconnect during live Chess games do so voluntarily, not because of some computer problem.
I know that this problem has already been discussed ad nauseam on a multitude of threads, but I just wanted to suggest this (even though it's probably pointless to do so anyway).