I really don't understand what people don't understand about Intel and M1 are NOT compatible! They are NOT the same computer. They're both CALLED Macs, and they both run Big Sur, but that does NOT make them compatible! Are Windows on ARM and Windows 10 (Intel) app compatible? If not, then, there... you have your comparison.
Same difference with the 68K Macs and the PowerPC Macs, back in the day (90's), during that transition period. They both ran System 7.1.x, but that didn't mean you could just treat them like a single continuation.
Perhap part of the problem is a lack of concise explaination by Apple. Part of it is people's expectations/wants. But the sooner people stop trying to "have their cake and eat it, too", the easier this transition will be for people.
My suggestion (what I would do) is: Copy your "personal data" (text files and documents and such) from your Intel Mac to a neutral format (FAT32 or similar) drive that can be read by Big Sur on the M1 Mac. Set up your M1 Mac, then copy your data over. Stop trying to fit a square peg into a round hole. You'll spare yourself a lot of headache and frustration and disappointment.