Rereading thread I see you were trying to create a Catalina USB installer in the OP, and that failed, but Big Sur worked. I should have made clear that I have only made Big Sur installers on my M1 MacBook Air. I have never tried to download or make an installer for anything except Big Sur. Apologies if I have misled you.

• Clover Boot Disk Creator Catalina
• Disc Creator Catalina
• Install Disk Creator Catalina Hackintosh
• How To Create A Startup Disk For Mac Catalina

• After booting from the macOS Catalina installer drive, you’re free to format a target disk with Disk Utility, choose a disk to install macOS 10.15 onto, use Time Machine, access the Terminal from Recovery mode, and any other typical activity performed from a boot install drive.
• MacOS Catalina USB Installer Bootable Flash Disk. An easy method to Create (Without Terminal Commands).How to create a bootable USB flash disk for macOS Cata.
• Then follow these steps to create your bootable macOS Mojave drive. Connect your drive to your Mac. Launch Install Disk Creator. In the main window, you’ll see a pop-up menu under.
• How to create macOS Catalina USB Installer. Insert the USB drive to your computer. I mentioned above also that the process of creating a macOS Catalina USB drive with Disk Utility is easy. Therefore, go to the search bar and type there “ Disk Utility”.

Apple hasn’t shipped operating systems on physical media in a full decade, but there are still good reasons to want a reliable old USB stick for macOS Catalina. Luckily, it's not hard to make one—either with a handy graphical user interface or some light Terminal use. Here's what you need to get started:

• A Mac that you have administrator access to. We've created a USB stick from both Mojave and Catalina, but your experience with other versions may vary.
• A 16GB or larger USB flash drive or a 16GB or larger partition on some other kind of external drive. A USB 3.0 drive will make things significantly faster, but an older USB 2.0 drive will work in a pinch; 8GB drives worked for Mojave and older versions of macOS, but the Catalina installer is just a little too large to fit.
• The macOS 10.15 Catalina installer from the Mac App Store (in High Sierra or older macOS versions) or the Software Update preference pane in Mojave. The installer will delete itself when you install the operating system, but it can be re-downloaded if necessary.
• If you want a GUI, take a look at Ben Slaney's Install Disk Creator from MacDaddy. There are other apps out there that do this, but this one is quick and simple.

Clover Boot Disk Creator Catalina

If you want to use this USB installer with newer Macs as they are released, you'll want to periodically re-download new Catalina installers and make new install drives. Apple rolls support for newer hardware into new macOS point releases as they come out, so this will help keep your install drive as universal and versatile as possible.

There's also one new consideration for newer Macs with Apple's T2 controller chip—as of this writing, that list includes the iMac Pro, the 2018 Mac Mini, the 2018 MacBook Air, and 2018 and 2019 MacBook Pros, though Apple keeps an updated list here. Among this chip's many security features is one that disallows booting from external drives by default. To re-enable this feature, hold down Command-R while your Mac reboots to go into Recovery Mode and use the Startup Security Utility to 'allow booting from external media.' If you're trying to install an older version of macOS, you may also need to go from Full Security to Medium Security to enable booting, but if you're just trying to install the current version of macOS, the Full Security option should be just fine. And if you're just doing an upgrade install rather than a clean install, you can run the Catalina installer from the USB drive from within your current installation of macOS, no advanced tweaking required.

The easy way

Once you've obtained all of the necessary materials, connect the USB drive to your Mac and launch the Install Disk Creator. This app is basically just a GUI wrapper for the terminal command, so it should be possible to make install disks for versions of macOS going all the way back to Lion. In any case, it will work just fine for our purposes.

Disc Creator Catalina

Install Disk Creator will automatically detect macOS installers on your drive and suggest one for you, displaying its icon along with its path. You can navigate to a different installer if you want, and you can also pick from all the storage devices and volumes currently connected to your Mac through the drop-down menu at the top of the window. Once you're ready to go, click 'Create Installer' and wait. A progress bar across the bottom of the app will tell you how far you have to go, and a pop-up notification will let you know when the process is done. This should only take a few minutes on a USB 3.0 flash drive in a modern Mac, though using USB 2.0 will slow things down.

The only slightly less-easy way

The Install Disk Creator is just a wrapper for the terminal command to create macOS install disks, so if you’re comfortable formatting your USB drive yourself and opening a Terminal window, it’s almost as easy to do it this way. Assuming that you have the macOS Catalina installer in your Applications folder and you have a Mac OS Extended (Journaled)-formatted USB drive (which is to say, HFS+ and notAPFS) named 'Untitled' mounted on the system, you can create a Catalina install drive using the following command.

sudo /Applications/Install macOS Catalina.app/Contents/Resources/createinstallmedia --volume /Volumes/Untitled

The command will erase the disk and copy the install files over. Give it some time, and your volume will soon be loaded up with not just the macOS installer but also an external recovery partition that may come in handy if your hard drive dies and you're away from an Internet connection. If you would like to create an install drive for a macOS version other than Catalina, just tweak the paths above to refer to Mojave or High Sierra instead.

Install Disk Creator Catalina Hackintosh

How To Create A Startup Disk For Mac Catalina

Whichever method you use, you should be able to boot from your new USB drive either by changing the default Startup Disk in System Preferences or by holding down the Option key at boot and selecting the drive. Once booted, you'll be able to install or upgrade Catalina as you normally would. You can also use Safari, Disk Utility, or Time Machine from the recovery partition to restore backups or troubleshoot.