This could have gone horribly wrong...

This happened in an actual game of mine:

https://www.chess.com/game/live/99077748509

Here it's black to move. If either the knight were on a dark square like c7, or if it was white to move, black would have forced mate. Can you imagine getting mated when your opponent has what would usually be considered insufficient mating material?

The standard advice on chess.com is to let your time run out. Chess.com grants you a draw on the "insufficient material" eval though no such rule exists in the FIDE laws.

Wouldn't that be cheating though? You're exploiting a site bug, making it think there is insufficient mating material despite there being a forced mate.

Super

Had it been a site bug, it would have been fixed decades ago as it has been reported a 1000 times. It's policy. When they "fix" it, they implicitly admit the policy is wrong. And everyone starts demanding that they fix similar situations as well. So they won't!

Okay, that's fair. But I would still say it is an oversight. They probably don't bother fixing it because it is a very rare occurrence. Even if it may not break any site rules (unless it's considered stalling the clock), it's not a nice thing to do. In an OTB game, most tournament directors would deny the draw claim if black proved that they had forced mate, and white would be given a loss on time. So if I was in a situation where the knight was on a different colored square and I knew black was going to force mate me, I'd let them force mate me. After all, they outplayed me.

I think the point of my post is how hilarious it is that you can get mated by a king and knight under a specific condition. Same thing can happen against a bishop, although I don't think there is any situation where it can be forced. The king would have to be in the bishop's corner, but the only way to force the pawn up is to cut off the square below the king, which is not possible since the bishop is only limited to the corner color.

It's not an oversight, chess.com's "support" team knows all of these situations very well. I would like to explain to you what the actual FIDE-rules on these situations are but I can't since FIDE itself has gone mad. Whatever I say will be wrong in somebody's eyes

It's funny cause I encountered an endgame puzzle on this very site that had a similar concept. So clearly the site acknowledges that a lone knight can mate when the opposing king is blocked by his own pawn. But I would imagine in any OTB scenario, the side that is about to get mated would not get away with running their clock out. The side that has forced mate would easily show the TD the forced mate and the TD would say the other side loses on time. Now if there was mate but it was NOT forced, then maybe the TD would declare it a draw via insufficient losing chances.

In an analytical setting there are no "unforced" mates because "unforced" stands for "weak play" while analysis implies "best play". TDs will never assign scores on the basis of "unforced" mates.

I cannot explain in a few lines to you what all the actual rules for problem solving are so I leave it here. But it is safe to assume that everything you believe is wrong