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Microsoft really wants Local accounts gone after it erases its guide on how to create them
(www.xda-developers.com)
This is a most excellent place for technology news and articles.
If you don't want to do that, then you can buy a bootable drive (for example here: https://www.shoplinuxonline.com/mint21-usb.html)
Using a different tool to create a bootable drive is just a part of installing any operating system, not just Linux. If you ever need to install windows on a pc that doesn't have it installed you will see the same process.