@erindreki what I meant about FICS is that if you have a position that is judged a draw by the algorithm, FICS has an arbitration system and you could appeal it and get the result changed.
The reason that isn't done here is that for lichess that's a big hassle because there isn't an algorithm in place for adjusting ratings after the fact that then takes into account all the games played after, all their opponents, all their opponents opponents and so on. Changing one person's rating by whatever slight difference that game would be unfair because it should in theory change all the ratings of all the games related that followed it. If the arbitration takes 2 or 3 days and there is a really active player in that chain, it would get absurd. So the compromise was reached to just do like most other online sites and implement the insufficient material check, with what flaws it may have, to make it more fair. The cases in which it's wrong are a very small percent of the games that a timeout occurs when there is not a practical way to win.
Also, lichess doesn't use the FIDE rules, it's not a FIDE sponsored site. So the FIDE rules (along with other chess organizations' rules) are simply guidelines here.