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It's good to hear that you have the necessary permissions for the folders that Excel typically accesses when creating a new workbook. In addition to the folders you mentioned, Excel may also access other system folders and services when performing certain operations. For example, Excel may access the Windows Registry to read or write configuration data, or it may use the Windows Installer service to repair or update its installation.
If running Excel as an administrator resolves the issue, it's possible that there is a problem with the permissions for one of these system folders or services. You could try using a tool such as the Process Monitor to monitor the file and registry activity of Excel when creating a new workbook. This may help you identify any access-denied errors or other issues that could be causing the problem. More details about this tool is here: https://trumpexcel.com/vba-filesystemobject/. Note: This is a non-Microsoft website. The page appears to be providing accurate, safe information. Watch out for ads on the site that may advertise products frequently classified as a PUP (Potentially Unwanted Products). Thoroughly research any product advertised on the site before you decide to download and install it.'
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Regards Adeyemi