The latest Rufus pre-release version 3.19 Beta adds a bypass for Windows 11 22H2 Microsoft Account (MSA) requirement. Microsoft added this MSA criteria last month with one of the Insider builds.
Msa requirement RSS
Microsoft keeps making it harder for consumers to set up Windows with just a local account. For the privacy conscious or other use cases, especially when using the Pro edition, it should be possible.
Microsoft has announced that Windows 11 22H2 Insiders on the Windows 11 Pro edition will now require a Microsoft Account and internet connection during the initial setup of a personal use device.