You have a point there. But the whole idea of the game is to have fun. If I ran into the kind of situation you describe above, I would resign, let my opponent know exactly why I did resign, and not play him or her again.
On the other hand, I would also object to your house rules for much the same reasons. Blanket rules like that take some of the fun out of the game for me; it seems like you, my opponent, is dictating my choices for me. I would much rather my oponent explain up front what you did in your post. Then we could mutually decide on guidelines.
After all, the game is in some ways secondary to the interaction between the players.