D
DelJo63
Microsoft not only encourages the use of the M$ Online Account, but now making it difficult to use the Local Account -- who knows what lies ahead.
PCWorld.com has an article on HOW-TO and I strongly recommend you review their disclosure.
Our experiences with the October 2018 Update nearly convinced us that local accounts were gone for good. They’re not, thank goodness, but Out-of-the-Box Experience (OOBE) in that version pushes you particularly hard toward using a Microsoft account. We discovered two workarounds, though, to allow you to log in as you wish.
PCWorld.com has an article on HOW-TO and I strongly recommend you review their disclosure.