This is hard to implement mostly because of the abuse potential. So giving loss protection for points makes sense IF someone disconnects before launch. Anytime after that they need to make sure you lose points even if your solo and decide to drop. They can't push it all the way to the first ring because you can just decide I'm not doing well this game going to quit now and save myself from losing points. That's why they'll only do it if you disconnect due to server error which is USUALLY always before you ever launch. However, if you leave the game during the champion screen (where they show the champion squad from last game) you WONT LOSE POINTS. So if you see one of your teammates hasn't loaded in or disconnected as soon as your done choosing your legend you can just quit out once the banners show up and lose nothing. If you choose to launch anyway then you should still lose points because that was your own fault for dropping one down when you could have left and lost nothing.
