It sucks getting n1'd, we all agree on that. However, what sucks the most in heart games is the fact that you can get n1'd and then lose a heart because of it even though you haven't even participated in the game.
In my opinion, you should not lose a heart if you haven't even been ABLE to take any action whatsoever in a game.
In the same way, you should not gain any points in case you win a game and you haven't been able to take any action.