For the general consumer Microsoft is making it as hidden as possible to make a local user during installation.
When I had to reinstall windows a month or two ago the option to make a local machine user was not there until I unplugged the ethernet or brought up a terminal to force the installer to show the option.
There's plenty of reason, especially looking at what's been happening in the last year.
I PAID for that computer (presumably with a hard drive) so why should I have to agree to my data being stored in someone elses server to be used to train the AI that will eventually land microsoft support services workers on the unemployment line?
Step one: I buy a computer.
Step two: Computer manufacture pays MS a licensing fee.
Step three: MS takes all of our data and trains their AI, which they can then monetize for use by other companies, making even more money.
Step four: Microsoft's AI replaces basic Frontline workers (tech support, help lines, bug tickets, etc...) saving even MORE money.
Why in the actual hell would I contribute to that?
I generally consider myself half-way between the two, leaning more towards techie than normal consumer. I use Linux, I know how a computer works and what all the hardware does. But I don't program (except for easy stuff like lua), I don't build Linux from scratch or compile source code, etc... etc... etc...
I just want a computer that works, and a computer that, if I unplug my internet, I can still log on and use my word processor, or drawing application, etc...