Almost every even half decent CPU made in the last decade does have TPM 2.0, albeit for some strange reason OEMs used to ship with it disabled. You may be able to turn it on in the bios.
This is a massive pet peeve of mine as well. As far as I'm aware there's not a single consumer CPU listed in the Windows 11 compatibility list that doesn't have builtin TPM2.0.
> The hardware limitation is specifically TPM 2.0
Almost every even half decent CPU made in the last decade does have TPM 2.0, albeit for some strange reason OEMs used to ship with it disabled. You may be able to turn it on in the bios.