It's not possible to install a local account any more. Apparently all the loopholes have been closed. It just loops you back to the "oops looks like you lost internet access" page.
I made a new account - installer<date>@outlook.com with no@thankyou.com as the backup email (which you have to give). Microsoft didn't like that, so it made me go through 10 minutes of captchas (captcas in the OS install - wtf)
Then it forced me to give it my birth date, ostensibly to check if I'm of age. Could just ask "are you older than 13" but then you don't get that sweet data.
Finally I booted into the OS, and I made a local account.
I spent 30 minutes going through the awful menus trying and probably failing to disable all the crap that sends all my data to Microsoft. Some of which can't be disabled in the Home edition.
Then I tried to delete my "installer" account. Oops, sorry, we have to "verify" who you are by sending an email to no@thankyou.com. Oh, you don't have that? No worries, just give us your real email address and we'll allow you to log you in after 30 days.
Then later I check my real name gmail account and there's a Microsoft email with a login code. I never gave MS this email address. What the hell??