"Insufficient Material to mate" is a fairly common rule of tournament chess. Same as "why I must move a piece when I touch it".
These kinds of rules were put in to actually ensure fairness and make winning an "effort based" activity and not a guaranteed result.
In one of the game i had only king and my opponent had queen along with king , but his time is over and how can it says that its draw ( insufficient material ) .
By using queen we can checkmate the opposite ... its not fair what happened to me .