Enforcing Two Factor not giving new users opportunity to login

Hi There,
I have a new installation of Nextcloud v20.0.5 and have set up SSO for our users.
We naturally have MFA set up on our accounts.
But we will be having need to create accounts, that only exist in nextcloud, and so I would like to enable two factor for these accounts.

But, when I enforce Two Factor, it stops all users without two factor configured from logging in.

Which means, any new user account I create, they will never be able to log in.
They just get this message:
Two-factor authentication is enforced but has not been configured on your account. Contact your admin for assistance.

So how can a newly created user ever login to configure their two factor?

I’m hoping I am missing something.

Hope you can help.
Thanks,
Tim