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It's possible to use the iCloud password instead of your local account password, but it's very opt-in and not at all suggested by default. Signing into iCloud doesn't replace anything about your local accounts besides that.

>but allows you to set up a local account

Not on Windows 11 Home, using an online account has become mandatory.

>Yes it's a Dark UI pattern, but I have a feeling Apple do the same thing

Skipping it is a little clearer in macOS.

According the article, come Windows 11 that will be incorrect.

It's an opinion piece written for clicks. Time will tell if it's right or not.

Both Microsoft's official communication and the leaked beta indicate that Windows 11 will require this.