This is one of the silliest bugs that has been around since Ubuntu 12.04 maybe longer. Let's say a person using Windows decides to set up a dual boot system. The installer is very slick and gives the option of install alongside Windows & then a few screens on offers the option to encrypt the home directory. It is the same screen where a person puts in their user name and password. All goes well until you get the message 'Creating User' & there it will hang forever. What you are meant to do as a workaround is to create another user after the install & choose 'encrypt home directory' for the new user.
As it is a well known bug why doesn't Canonical just fix the bug or completely remove the option of encrypting the home directory on install? They put all this effort at producing a very slick installer including a really nice screen where you can use a slider to allocate disk space for Windows and Ubuntu & then screw it up with this bug that has been around for years. I have just installed Linux Lite and provided you don't tick that damned box the install is brilliant quick and easy. (I'm not blaming the Linux Lite guys - it may be something they cannot change.)
For a new user it is highly likely they will at least consider ticking that damn box to encrypt the home directory. How amazingly dumb when you have a chance to woo another Windows user to Linux. It is things like this that never get fixed that have caused Linux to never get beyond maybe 1% to 3% share of the desktop operating systems.