I believe there was a massive uproar, commotion, hoopla and general pie-throwing, at the end of which these rules were implemented. It was programmed while the rebels were still well within mortar range and the jelly donuts were falling day and night.
Yeah, well... maybe I'm completely overacting
Insuffiencient material is when 1 side has completely lost all of their pawns and then if time runs out on the opponent with the remaining pawns, it is a draw.
Funny how entire books have been written on pawnless endgames... they should call it insufficient losing chances.