I think (in the case of a time-out or a resign) rather that forfeiting 3x the dice, you should forefeit the current position of the board (ie: by resigning or timing out you send all of your opponent's pieces to the end). For example, if you already have one or more pieces off of the board, you forfeit 1x the dice. If you do not have any on the bar or in your opponent's home quarter, you lose 2x the dice, and if you still have one or more on the bar or in your opponent's home quarter you lose 3x the dice.