I too thought that MS went way out on a limb by requiring TPM2, but MS gives some reasons why they may require it. From MS:
"Is there any importance for TPM for consumers?
For end consumers, TPM is behind the scenes but is still very relevant. TPM is used for Windows Hello, Windows Hello for Business, and in the future, will be a component of many other key security features in Windows. TPM secures the PIN, helps encrypt passwords, and builds on our overall Windows 10 experience story for security as a critical pillar. Using Windows on a system with a TPM enables a deeper and broader level of security coverage."
I finally found the way to enable TPM on my ASUS Z390-E mobo in the BIOS. Advanced-PCH-FW Configuration-change Discrete(dongle needed) to Firmware. BTW, MS treats the dongle and Intel's PTT exactly the same so no reason to buy a dongle if you can enable firmware.