Draw by Insufficient Material

The more I thought about this rule, the more I realized that this is an illogical & inconsistent rule.  IF there is a clock involved, you should have to checkmate your opponent or force a draw before your time expires.  Stalemating when you dominated on time defeats the purpose of using a clock in the first place... say for example, you have only one pawn and your opponent has his/her Q and a knight and a pawn and with more time you aren't holding up but (this is all presuming of course the pawn wouldn't promote which in the vast majority of games it would not) you actually win in this scenario and not draw... then you could look at another situation where you have just say your knight and a pawn to your opponents 3 pawns and you have them crushed in time and could still (with more time) capture those pawns to win or draw but then your opponent wins on time when "if there would have been more time", it was clearly playing out to your favor.  I call bull$hit on this rule. 

poof

If a player does not have a major piece (rook, queen) nor a potential to obtain one (pawn), nor a knight/bishop- or bishop/bishop-combination, I think it's reasonable to call it a draw by insufficient material, even if technically you can construct a mating position with the aid of the other side's pieces. It may seem a bit philosophical, but the idea is that the "stronger" side has no way to force mate. It seems fair. However, I don't know if two knights by themselves would be "drawn by insufficient material." 

Unfortunately, the FIDE rules are in support of 'every single possibility', not just reasonable ones. Even the endgame of a king and a knight can win versus a king and a rook, though the mate can hardly be forced. The same applies for king and knight versus king and bishop, king and knight versus king and knight and so on. Note that a king and a bishop can never force mate against a king and a rook assuming no other pieces or pawns are present on the board; thus, if the side having the rook drops on time, the game is immediately declared a draw.

Under the FIDE rules, the endgame of king and two knights versus a bare king is a win for the king and two knights if the side having the bare king runs out of time.

The same can be said about the starting position. White has no way to force a mate... So would you give a draw too? If not, where to draw the line? How about K+R vs. K+R? Or K+Q+R+5 pawns vs. K+ 2 pawns.

FIDE rules are pretty logical and consistent. As long as you still CAN lose a position on the board, you will lose if you run out of time.

You're right. According to the official FIDE rules that should be a win for Black. However, chess.com is a private site, so they are entitled to use their private rules...

...which declares such positions as draws because a king and a knight alone, without other friendly pieces or pawns on board cannot reasonably force checkmate.

Imagine this position occurs at a critical moment and White loses on time just after 3...Rxg8, before the mate 4. Nf7# can be administered (for example, White has 0.1 second left after 3. Qg8+ and White does not use premoves to play his games, each move by White taking 0.3 seconds).