I get the whole point but since he has the means to checkmate me but he can't in a minute and I still have 4 minutes left, I should win because of time.. but ok i dont make the rules
Given infinite time, your king could never checkmate your opponent, so how does it make sense you should win on time? The best outcome with that material is a draw.
The site uses a rule more similar to the US Chess implementation for insufficient material to mate on timeout than FIDE, but both agree a lone king can never win in that situation. For FIDE, mate just has to be possible by any series of legal moves.
nah man we are not playing classical chess, we are playing on a time limit so if our opponent runs out of time he should always lose
the way you said "Given infinite time"
i can also say "given extra queens at the start i could win too"
 
     
    
That would only be insufficient material if white runs out of time.
In that case, @bigD521 is correct that black would win if it's under FIDE regulations.
Rxg8 Bxg8 it is now KN vs KB. Why is this not a draw? From post #2 there is no mention of time.
copied -
If both sides have any one of the following, and there are no pawns on the board:
A lone king
a king and bishop
a king and knight
In the above scenarios the game will end in a draw, because it is not possible to force mate against a lone king with that material. You have a king and bishop your opponent has a king and bishop? It’s a draw! A king and bishop vs a king and a knight? Draw! And so on.
Maybe it does immediately in a draw; though it probably shouldn't be and should rely on the timeout or 50 move rule instead.