Motherboard is MSI B560M-A pro. I do not know what a TPM Chip even is or how to add it - but I looked it up and no I did not add it. I am obviously out of touch these days as I build my PC's to last - the PC's I am replacing are over 7 years old and were originally Win7 - undated to win10. So , I have not had to load a new OS onto a new system in 7 years. I looked up the MOBO on MSI website and yes it has a TPM ( version 2) - but I do not think I "activated it" if it does not default to that setting . Might be the issue- I will check that out today. Thanks
edit: Bios version is dates 4/19/2021, version = E 7D20IMS.210