We present a microscopic picture rationalizing the surprisingly steep decrease in the bandgap with temperature in insulators, crystalline or otherwise. The gap narrowing largely results from fluctuations of long-wavelength optical phonons-when the latter are present-or their disordered analogs if the material is amorphous. We elaborate on this notion to show that possibly with the exception of weakly bound solids made of closed-shell electronic configurations, the existence of an insulating gap or pseudogap in a periodic solid implies that optical phonons must be present, too. This means that in an insulating solid, the primitive cell must have at least two atoms and/or that a charge density wave is present, with the possible exception of weakly bonded solids such as rare-gas or ferromagnetic Wigner crystals. As a corollary, a (periodic) elemental solid held together by nonclosed shell interactions and whose primitive unit contains only one atom will ordinarily be a metal, consistent with observation. Consequences of the present picture for Wigner solids are discussed. A simple field theory of the metal-insulator transition is constructed that directly ties long-wavelength optical vibrations with fluctuations of an order parameter for the metal-insulator transition. The order parameter is shown to have at least two components, yet no Goldstone mode arises as a result of the transition.