To install Windows 11 with a local user and/or to install it without the TPM 2.0 requirement, what I found easiest was using Rufus to prepare a flash drive with the Windows 11 ISO. Rufus asks if you want to create a local user and what the user name is. It also asks if you want to skip some of the Windows 11 requirements. Then when you install Windows 11 using the flash drive it just works.