Most computers, like 95% of them, do not have TPM module at all, let alone TPM 2.0. AMD emulates TPM in software, but that isn't compatible, and is only TPM 1.1 or something. Forcing personal computers to be this secure is just nonsense. It really seems to be them being proactive against giant hacking threats from letting people use their personal computers with business level work, like hooking up to a intranet when the computer also connects to the net.
With a Desktop PC you can probably get a TPM 2.0 PCI card, or maybe a module for the mobo and then you can install Windows 11.
You can also just download a slipstream image of Windows 11 with TPM BS disabled.