No, your choice - just be sure to use --user switch in either case!
BKM creates the user account explicitly - search for adduser here [Tutorial] Step by Step for making a ERPNext and Webmin combo VPS server
or alternatively the standard install creates the account - you can dig into the actual install script here bench/install.py at master · frappe/bench · GitHub
or on your local say here /home/frappe/install.py
edit: the one caveat is not to install as root user -
if args.user == 'root':
raise Exception('Please run this script as a non-root user with sudo privileges, but without using sudo or pass --user=USER')