tl;dr, 'grapple' can't tell intent.
I'd say that it should search for auto-passes in the case of unconscious, dead, or trusting characters, and then make it so any resist attempts automatically pass as well.
I suspect there are a lot of things the chip does not restrict you from doing even though it would technically be a crime or violent without directly entering combat. That's left up to faithful roleplay. If someone with a chip drags a flatlined person somewhere to leave them to die or make it harder for them to be found, then that's obviously kind of going against the theme of the chip.
You can absolutely use grapple to fuck someone's day over, even if you can't codedly mess with them.
I'd also say that this is more of a learning opportunity than anything else. Once you know you can't use a verb for specific things, it simply becomes an issue of getting assistance instead of trying to do it yourself.
Then that moment comes when you can't help someone in x way for y reason.
You're helpless and there's nothing you can do about it. This is your reality.