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Insufficient material time out

I've just lost a game for time out but the opponent had insufficient material for check mate. I thought that such a game should have been recorded as a draw. What am I missing?
This is the game in question.


Believe it or not, black does has sufficient material for checkmate, provided white makes some pretty cooperative moves. Imagine your king is in h8, and the opponent's king is at g6. If your knight ever went to g8, your opponent could checkmate you with their dark-squared bishop on g7.

To make this a draw, white needs to try to sacrifice their knight.

I'm not sure what FIDE or USCF rules say about this, does anybody have any insight on those?
The FIDE rules say it's a win for black for stated reasons.

I have heard that the USCF rules state differently (but I'm not from the US so I wouldn't know) which seems to lead to a lot of Americans being confused by the lichess-FIDE ruling. (however lichess is an international site, with servers I think in France, so not even in the US; so it makes sense to use the international FIDE rules here)
@MoistvonLipwig Thank you for your insight!

I just looked online for USCF rulings in a similar situation (K vs KNN), and in the past, the position was declared a draw because there was no forced checkmate sequence. The post I found was from 2012, however... and I'm pretty sure the USCF rules change slightly from year to year.
Thanks. Very interesting. So If you are out of time in a similar situation if possible it is better to end a piece under. And if you are up in time it would be a blunder to take the piece.
@waltermiguel In a certain sense, that's right. An important factor I didn't mention, however, was the 50 move rule.

Even with no increment and only ~3 seconds on the clock, I'm betting I could move my king around on light squares or hop my knight around until the forced draw after the 50 move rule. It would be more polite to offer a draw, or accept the draw if it were offered in this position.

(Over The Board, at least in USCF rules, a player must use the same hand to activate their chess clock as they do to move their piece, so, perhaps a minute to make 50 moves)

You probably know the 50 move rule, but in case somebody reading this doesn't, it goes something like this:

"If the last 50 consecutive moves have been made by each player without the movement of any pawn and without the capture of any piece, the game can be declared a draw by either of the players."
Over the board, you can just claim a draw here provided your flag hasn't already fallen. The issue here is more that there's no arbiter online to uphold your claim.
@area11 Here you go:
http://www.fide.com/fide/handbook.html?id=171&view=article

Article G: Quickplay Finishes
If ... the player having the move has less than two minutes left on his clock, he may claim a draw before his flag falls. He shall summon the arbiter and may stop the chessclock.

He may claim on the basis that his opponent cannot win by normal means, and/or that his opponent has been making no effort to win by normal means.

And "normal means" is defined as: Playing in a positive manner to try to win; or, having a position such that there is a realistic chance of winning the game other than just flag-fall.
Well, these days you usually play with G4 OTB, i.e. when below 2 minutes you can claim a draw and if your opponent refuses both get 5 second delay time control. (and the opponent +2 minutes on his base time)
That way you have the time to prove it really is a draw.

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