Huh?
What is "Time out vs insufficient material"?
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I’ve got an idea, let’s introduce a new rule whereby a body of electors - let’s call them a “college” determine who wins the game on time vs insufficient material. Sorry - couldn’t resist. For me - if you have more pieces to eventually mate your opponent and they stall for time, running down the clock- using whatever tactics possible in a back room of the White House- well then - a winner should be declared and opponent should play by the rules and concede...with a gg
I finally understand this rule.
Think of it this way. Your opponent runs out of time, which means you can make as many moves as you want without them making any moves. You move, but they can't, so you move again. If you can move and move and move and move and still not be able to mate because you have insufficient material, it's a draw.
For here, it's like the opponent gets to move too, and only has a king regardless of the actual material on the board, but plays the best options to prevent mate as well. Basically, if the side with material is unable to mate with that material vs a lone king, it is a draw.
For FIDE, it is the opposite, where if it is possible for the side without time to move into mate, i.e. mate is possible by any series of legal moves, then the side with time wins.