I'm by no means suggesting it's normal or that I think it's okay Microsoft removed the native ability.

You're right that I probably made an assumption that someone posting on hacker News would have the technical ability to hit a keyboard combination and type a command on a command line and hit enter, which is essentially what's required currently to utilize the local account ( https://rtech.support/guides/bypass-11/ )

My reply was intended as more of a direct message to OP, as opposed to general advice I think every end user should know and follow. I should have been more clear.

Not only that, if someone has a tech knowledgable person set up their Windows 11 computer without online accounts MS updates will cause it to spam the tech-ignorant person owning that computer with misleading pop-ups saying they need to press this button to do $x thing. Which then secretly sets up online accounts which automatically and silently enables drive encryption. Which causes it to go to a bluescreen saying to go to some shady looking URL at aka.ms and type in a long code that appears on your blue screen only broken computer. It's basically ransomware. This is not some theory, I had this happen to a sewing machine laptop I set up for my mother.

And yes, I later learned that aka.ms is a real Microsoft URL. But when it was first described to me it sounded exactly like ransomware and had exactly that effect.