Chess com blundered?
Yes, it is a local feature:
https://www.chess.com/article/view/how-chess-games-can-end-8-ways-explained#insufficient-material
https://youtu.be/vIpeZKQwslg?si=A5dFM3FkGwuRI2ma 2 knights versus king and Chess com end the game- Draw because material. Your opinions?
Basically, the site does not use the FIDE implementation of mate possible by any series of legal moves, so some things that are wins on time under FIDE regulations are not here.
Why does chess.com end it in a draw if you can still checkmate ?
See the link from post 2, but basically, the site only looks at the material the side with time has. If that material is insufficient material to mate against a lone king, then it's a draw if the other player runs out of time
Essentially, in most cases, it's not possible to force a mate in such cases.