You can bypass it by either turning off the network connection prior to a new/clean installation on 20H2/21H1. If you are stuck on the account screen during the

You can bypass it by either turning off the network connection prior to a new/clean installation on 20H2/21H1. If you are stuck on the account screen during the installation process, then entering wrong credentials 3 times will present you with a local account option. However, if you have completed installation, then there is an option to turn it into a local account in Settings --> User Accounts --> Change your account type.