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Just lost, not draw, on time to an opponent with only a bishop and no pawns?

Why did I just lose, not draw, on time to an opponent with only a bishop and no pawns?
Because there is sufficient material for black to mate.

#1 There is a checkmate sequence by allowing you to underpromote to knight and then mate your king in the corner.

#2 Mate is possible with opposite color bishops. In your game, white king on h8, black king on f8, white bishop on h7 and both of White's pawns not moved. Black delivers Bf6 mate.
In this logic, you can lose on time even if there are only kings and different color bishops at the board. But I'm pretty sure it is a draw.
@commodore6502 @ZDmitriy83 "Except where one of Articles 5.1.1, 5.1.2, 5.2.1, 5.2.2, 5.2.3 applies, if a player does not complete the prescribed number of moves in the allotted time, the game is lost by that player. However, the game is drawn if the position is such that the opponent cannot checkmate the player’s king by any possible series of legal moves." -fide handbook 6.9

meaning if you can mate by playing any legal moves you loose else draw
Don't see how there are any series of moves, i.e. a helpmate, where a bishop and a king alone can checkmate.
Most likely you are talking about lichess.org/4tEFbMPE/ where the final position is K+B against K+p so that a helpmate is possible. White can promote to a knight and then a checkmate is e.g. Kh8 Ng8 vs Kg6 Bg7. If the pawn wasn't already on h7, a helpmate would be possible even without promotion.