Why did I lose on time with three pawns versus a knight? Shouldn't it be a draw? I just lost an online game on time (while playing on lichess.org). I had three pawns and my opponent had just a knight. I don't understand why it's not a draw. Shouldn't it be a draw because my opponent does not have enough material to checkmate me?
Draw with insufficient material is covered in article 9.6:


  The game is drawn when a position is reached from which a checkmate cannot occur by any possible series of legal moves, even with the most unskilled play.


With a given material, it is possible to construct a checkmate (assuming your cooperation or horrible blunders), so it is not a draw.