Yep. I literally had to solve this yesterday helping a friend setup a brand new laptop (with Window Home edition) That little link is gone now. I had to Google to find that you create the local account by turning on Airplane mode before entering that screen. It then let me create a local account. ( And of course the other thing I did was immediately remove the McAfee security nagware - at least Microsoft has Defender already installed ready to take over AV duties )