May I ask, which motherboard you have? I have used both AM4 and AM5 motherboards, assembled multiple machines with AM4 platform and not run into this problem once.
I use real Windows licenses, not one of those ten dollar ones.
I have fTPM enabled, Windows UEFI boot setting, virtualization enabled. I have not disabled password query (disabling it is not a good idea, but neither is running your machine with an admin account, like so many do)