John,
The technical definition of thatch is this, it is an intermingled layer of living and dead plant material that builds up at the soil surface. A certain degree of thatch is necessary for the health of the plants. This is very analogous (sp?) to having a pad beneath your carpet and not having a pad. The carpet without the pad will wear out much earlier than the carpet with the pad under equal traffic patterns. While the use of certain incecticides may, and I stress may, have some part in thatch formation, the primary deciding factors are the grass species itself (as witnessed with some of the newer so-called improved bentgrasses that with improper care can develop 1" to 2" of thatch per year!), excessive fertilization rates and over-watering. In general, it is quite difficult to remove the excess thatch, a rough guideline can sometimes be used that it takes as long to remove the excess thatch as it did to let it develop. The only way to truly reduce a thatch layer is with aggressive aerification (and all Superintendents know how much golfers love this), regular topdressing, verti-cutting and at times the use of a de-thatcher (such as a Graden) to physically remove the thatch. All of these processes take time, patience and understanding from the golfers. It does not happen overnight.