Just want to remind everyone that this is a possible symptom of date/time being wrong, so before hulking out, duck into the BIOS real quick and make sure the date/time are correct (and that your LAN is enabled!), then try again.
I probably haven't done a
clean install of WinX since 1803 or so, but I remember the option to create a local account was still there, you just had to click your way through a bunch of scary-looking security warnings to get there. And then during the setup you had to confirm you really didn't want to sign in about a frillion more times.
Apple, as tied-together as they want you to be,
also used to allow you to link your user and iCloud accounts/passwords, but
since Spring of 2016 they walked it back and won't even let you try any more, ostensibly because allowing you to have the same password everywhere is a big fat security hole.
--Patrick