Here is an article on how carbohydrates don't necessarily induce insulin resistance but instead the refined carbohydrates, sugars, gut irritants, and chronic stress etc does.

"If you’ve been around the Paleo world for any length of time, you’re probably familiar with an explanation that goes like this: eating too many refined or simple carbs overwhelms the body’s capacity to store glucose, causing insulin resistance and eventually diabetes.

It’s true that eating a lot of refined carbohydrates is one cause of insulin trouble – see this study, for example, but just blaming “carbs” is missing the point.

For one thing, plenty of people in traditional cultures eat a high-carb diet but don’t get diabetes – the Kitavans are the most obvious example. And a very low-carb diet can actually cause insulin resistance as part of the starvation response.

Carbs are one piece of the puzzle, but the puzzle doesn’t end there. So instead of just carbs, take a look at a few other things that can contribute to insulin resistance:

Visceral fat accumulation. Insulin resistance can cause fat gain, but fat can also contribute to insulin resistance, especially visceral fat. Visceral fat is fat around the organs; typically it shows up as a “beer belly.” If you touch visceral fat, it’s hard, not squishy or jiggly. Regardless of how it got there, visceral fat probably contributes to insulin resistance (interestingly enough, the jiggly subcutaneous fat that most women have around their stomach and thighs doesn’t contribute to insulin resistance)
Chronic inflammation. Chronic, low-level inflammation (from things like Omega-6 overload or chronic lifestyle stress) is a major driver of insulin resistance.
Diets high in both fat and sugar. Plenty of studies have shown that a junk food-esque high-fat and high-sugar diet will reliably induce insulin resistance.
Sleep deprivation and chronic stress. As this review puts it, “sleep deprivation induces insulin resistance in multiple metabolic pathways in both healthy subjects and patients with type 1 diabetes.” Stress also contributes to insulin resistance. In this study, for example, greater job stress was associated with much higher risk of metabolic syndrome.
Instead of just looking at carbs (which don’t cause insulin resistance in the absence of other factors), it might be accurate to say that “the modern diet” or “a modern diet high in refined carbs among all kinds of other bad stuff” causes insulin resistance. Sure, that diet is high in refined carbs. But it’s also high in inflammatory Omega-6-rich junk oils like corn and soybean oil and gut irritants like wheat. It’s typically excessive in sugar and calories, which is a great way to gain some visceral fat And it’s accompanied by the chronic stress of sitting in traffic and working overtime, and the crazy pace of a life so fast nobody has time to relax.

That’s the difference between the average couch potato (high-carb, high-junk, high-stress, insulin resistant) and the average Kitavan (high-carb, low-junk, low-stress, insulin sensitive). Insulin resistance is not “just about carbs.” And fixing it involves a lot more than “just cutting carbs.” Fixating on carbs is easier, but it’s not the whole story, and probably won’t get you the best results"