Those same clicks can be used by everyone

By anyone who knows about them (who have installed Windows before and searched it up).

Speculation, not based on facts.

MS didn’t tell us directly that local accounts are a thing of the past, but you can easily tell where they’re going with this. From local accounts being just an option to having to not setup a network (It won’t let you go back after selecting one and clicking “next”) to not allowing you to proceed unless you run a command. The next logical step (Yes this is still speculation) is to limit local accounts to business versions of the OS in preparation to remove them entirely.

Only if you know what you are doing. So exactly the same boat as you put Windows in.

You’re telling me that if you give a random person a live Linux mint / Ubuntu / Endeavor / Manjaro / any non-elitist distro’s usb, they wouldn’t be able to click next and choose a username and password? I find it hard to believe, but even if that was the case, It would be because of a misunderstanding or unintentional bad UI/UX, not the OS acting against your will.