Based on your description, I understand that you cannot create a new site collection in the SharePoint server 2019 home page with correct settings.
Per my test, I could not reproduce the issue. As a workaround, you could try to use following PowerShell to check if users can create a new site collection.
New-SPSite https://webApp/sites/test -OwnerAlias "DOMAIN\JDoe" -Language 1033 -Template STS#0
This PowerShell creates an English site collection at https://<site name>/sites/test that is owned by user DOMAIN\Jdow.
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