indeed, only when using a microsoft account, which by the way is now required in the latest isos. you can still bypass it but it requires being offline for the install. that being said, there are still many laptops with older windows version preinstalled that do not have the requirement; however users that don't care about this will just click the MS account option because the button was kind of hidden.

their reason for this is that you need to save the bitlocker recovery key somewhere, and they don't trust the users to do it properly (not even mentionning the UI for this would be horrendous) so it saves it to OneDrive.