A metal-insulator crossover appears in the experimental data for in-plane resistivity of underdoped cuprates and a range of superconducting cuprates in the presence of a strong magnetic field suppressing superconductivity. We propose an explanation for this phenomenon based on a gauge field theory approach to the t-J model. In this approach, based on a formal spin-charge separation, the low energy effective action describes gapful spinons (with a theoretically derived doping dependence of the gap m_s² ∼ δ¦ ln δ¦) and holons with finite Fermi surface (ɛF ∼ tδ) interacting via a gauge field whose basic effect on the spinons is to bind them into overdamped spin waves, shifting their gap by a damping term linear in T, which causes the metal-insulator crossover. The presence of a magnetic field perpendicular to the plane acts by increasing the damping, in turn producing a big positive transverse in-plane magnetoresistance at low T, as experimentally observed.