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Draw at flag with insufficient material

Why is it that when someone flags and the opponent has insufficient mating material, the result is a loss for the flagging player instead of a draw? This is counter to the rules of chess (see FIDE laws of chess section 6.9). Seems like a simple check can be built in (on flag, does the non-flagging player have sufficient mating material or not).
Mods can delete, I didn't search first. I see that this has been discussed, and while I disagree with some of what was posted, it appears to have been covered to the tune of 4 pages of messages already. Sorry!
If there is any possible way for a win then its not a draw anymore ... thats also fide rule .. So in ur last game knight can actually deliver mate !
I saw that. I am accustomed to US Chess rules, for which insufficient material would have been called and the game would have been a draw. As I said, I figured this out after reading the replies to another post (that I should have searched for before I posted!). I misread FIDE rules as implying force, but it just says "a sequence of legal moves" so helpmate is allowed.
Checkmate is possible by a series of legal moves.

Thus black loses on time according to FIDE rules.
> 6.9. Except where one of Articles 5.1.a, 5.1.b, 5.2.a, 5.2.b, 5.2.c applies, if a player does not complete the prescribed number of moves in the allotted time, the game is lost by that player. However, the game is drawn if the position is such that the opponent cannot checkmate the player’s king by any possible series of legal moves.

This is computationally difficult to check. In concrete positions OTB where we have a human judge to adjudicate we can use such a rule but not for the online games. The only easy and by far the most popular possible scenario is when the opponent has the lone king, which is adjudicated as a draw in case of time out. In the overwhelming majority of other positions even with only the knight or the bishop you can checkmate the enemy king in the case of cooperation. Some other interesting scenarios are here: wismuth.com/chess/illegal-moves.html (and this is only the cases when both players can't checkmate, there are even more when only one can't).

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