See, but here's the problem.
What do you do when the player rejects the DM's narrative. When the player finds the DM's post hoc justification to be not simulating the world?
For example, let's use the rope example. You talk about the rope being cut by a rock. Now, I've done some climbing with the army. I know pretty well that no, any rope that is strong enough to be used for climbing is not going to be cut by a sharp rock. At least, not accidentally. Unless your rocks are made of diamond (or perhaps obsidian) it's just not going to happen. You cannot cut a 3/4 inch rope with a rock. Not going to happen.
But, the DM thinks it's perfectly plausible. The DM thinks that this is totally normal and can be done.
At this point, the simulation is not functioning. The only way it works is if the player must accept whatever the DM makes up at the time. Which, in cases where the player may be more knowlegeable than the DM, means that many times the narrative isn't possible from the player's POV.
Unfortunately, there is nothing to resolve this because the mechanics provide no information.