If you don't care for someone's talking, just shut down chat during the game.
" As a paying member I find it pretty unfair that a free member is entitled to waste my time." what do you propose -- change the laws of chess ? you can not force anyone to resign. it is their right, as long as they have time on their clock, to play till check mate.
There are a number of players who start verbally abusing you as soon as a game starts. I imagine this is some kind of strategy to put you off, but why is this tolerated? In online poker your chat is suspended for abuse so why not do the same here, it’s chess after all.
Second, why do so many players run their clocks down when their position is lost? This is a waste of their life and doesn’t help their situation. Is wasting my time really that important and is losing a game of chess such an affront to your ego that you can’t just resign?
On the issue of running down time, why not dock players ranking points when they do this? It’s easy enough to auto-calc when a player is doing it. As a paying member I find it pretty unfair that a free member is entitled to waste my time.