Mate in 1 but draw

That’s a theoretical possible position and white has mate in 1 (it’s no stalemate). Shouldn’t be there an exception for this position, even if this is a draw by insufficient material? 

chess.com wont consider this insufficient material

I doubt that unless they recently left USCF. But let me assure you that the FIDE rules will not grant you a draw on the basis of "insufficient material" as that classification does not exist there.

Also, every engine will just give checkmate without mercy! Unless it is packaged in a rule shell which cuts its throat.

Btw, "insufficient material" or "insufficient mating material" are weird concepts as they suggest that the issue is about the quantity of material while it is obviously not. Standard example: K+B cannot (cooperatively) mate K+B when the bishops are on same colored squares but otherwise they can. Which proves that the quantities of material alone on both sides are insufficient to decide the mating potential.

USCF recognizes forced mate and in this position would not give a flagging Black a draw. In this position USCF would give a flagging White a draw because Black does not have a forced mate. Chess.com eliminates all of the flagged players pieces except the king and then looks to see if the other player can mate the lone king (thus K+B vs K+B is looked at as K+B vs K).

PS Online in K+B vs K+B one player could never actually run out of time in a position with the other player having a forced mate. However, online in K+B+P vs K+B the K+B+P player could run out of time with the opponent having a forced mate (White Kh8, Pn7, Bg6 vs Black Kf8, Be7.

Nahhh

Very nice

In OTB events (like FIDE or USCF), there are arbiter(s) present, so they can have different rules for what constitutes as a draw or not. However, chess.com has over 100 million members (about 20 million active members) and it isn't realistic to have a human arbiter over each game, so chess.com created their own "insufficient material" rule for draw.

https://support.chess.com/article/128-what-does-insufficient-mating-material-mean#:~:text=On%20Chess.com%20a%20King,then%20end%20in%20a%20draw.

That is true. As it is quite complicated to implement the FIDE laws in online environments they turned the wheel on the roulette and came up with a "solution". Actually the USCF rules are more insane than those on chess.com. They include the reference to "forced mate" where the FIDE laws expressly tie these situations to "possible mate" which is the strategic opposite.

The USCF reference to forced mate is only when the unflagged player has K+B or K+N or K+2N (when the opponent does not have a pawn). Otherwise it matches FIDE (including unwinnable positions with enough material on the board that chess.com would give a flagging player a loss instead of the draw USCF and FIDE would give).

Part of the reason for that is the US willingness to have beginners running small events (and thus needing some simplistic guidance in analyzing flagged positions). At the lowest US arbiter/TD level there is a much higher percentage of the TDs being unrated versus the FIDE ranks (though there are still some active FIDE IAs with no rating)

The proviso that the the player has no pawn in the USCF time out rule

14E3. King and two knights.Opponent has only king and two knights, the player has no pawns, and opponent does not have a forced win. 

is particularly irrational.

In this position, for example, White could have no idea how to play the endgame but thinks his opponent has. So he goes for coffee and the arbiter eventually rules the game a draw.

It's the players' moves that should determine the game's outcome, not the arbiter's analysis.