Losing on time with insufficient mating material?

I don't understand why the result here was a loss on time, instead of a draw due to insufficient mating material: lichess.org/HWV7q8Xu3ZBI

I dare you, I double dare you: say „insufficient“ one more time!



m.youtube.com/watch?v=W1yM0wVnpFU

@Sarg0n

How about this position?

I am a chess expert and not responsible for every checkered nonsense in the world.

@finlip

I'd call that bad luck.

I'd call that insufficient programming.

You still have to make the move, otherwise it can be seen as losing on purpose I think. Terrible luck though. I assume your internet went out?