Rating floor

I just lost 2 tournament games to an 1100 or so I thought player. When I looked him/her up the player was rated >1900. This is really crappy to lose 60 points because the real strength of this player is not reflected in the rating.

The solution, I propose would be to allow players to drop points by resigning all their games, but when they resume play their wins should be based on their latest 30 day average prior to losing all their rating points.