Chess players do not think in terms of material sufficiency but in potentials of positions. A player who carefully calculated arriving in the endgame of post #1 would feel robbed when his inevitable victory is blocked by an opponent refusing to move. You would be right if endgame positions would result from throwing dice - where the probability of a lonely knight winning is tiny - but why punish a player who got there through skillful chess play? FIDE reasoned it's your own fault to let your time expire which would ordinarily lose you the game. But it's willing to make an exception for the extreme situation of losing on the clock while you could not have possibly lost on the board. Can't find that unreasonable. Before the dead rule there was nothing to help you out; you simply lost.
If you're in a position where winning is possible however unlikely it should be given as a win on time. This already happens with single pawn vs all the material you want situations. No 10 queens have low odds of losing to a single pawn but if the player times out he times out.
Same with knight vs pawn situations.
I understand that. But this is a little bit different. In my example, it's the person with pawn who's time runs out. In your examples, it's the opponent of the pawn whose time runs out. Clearly a pawn is mating material because it can become a queen.
Actually I understand the FIDE ruling because it applies to OTB play, with arbiters, grandmasters, and etc. In an online setting with bots, once you open the door to determining whether a position is "winnable" via helpmate, I'm not sure a bot can be expected to make such a determination given the almost limitless variety of pieces and their orientations.
If you're in a position where winning is possible however unlikely it should be given as a win on time. This already happens with single pawn vs all the material you want situations. No 10 queens have low odds of losing to a single pawn but if the player times out he times out.
Same with knight vs pawn situations.
Already answered that. Chess.com and other interfaces have no algorithm to determine an "unlikely win" which is the same as a "possible mate". Otherwise they wouldn't use any of the material balance rules - except by choice to eliminate unreasonable losses and in contradiction with the FIDE rules. But the real problem is the missing helpmate algorithm.