To the Chess.com staff, this live game should have been adjudicated as a draw due to insufficient material even though White overstepped the time limit.
Not a draw.. Blacks knight can still mate, when the king goes to the h8 square and pawn h7, and blacks king is at f8 then blacks knight can go Nf7# so white loses by awful play (and helpmate)
I recently lost a bullet game after reducing my opponent to King and Bishop versus a vast army on my side. But my vast army provided material for help-mate, so I lost on time.