So the tutorial "How to create Zybo-z7-20 Hardware Vitis Platform - YouTube" teaches how to create a Vitis Platform using Petalinux.
It uses a Linux VM to
create the hardware in block design in Vivado
create the software using petalinux using the .xsa file
this is much more in-depth than I had realized. this can take several hours and I am not sure its all inclusive, could not see ethernet support
ultimately you will partition a SD card and add the files needed to boot up in linux
create a platform for Vitis which given I was using 2020.1 and he was using 2020.2 this is where my lack of knowledge of Vitis failed me.
But the point is that this tutorial did work and I was able to boot my FPGA with petalinux.
btw the user is petalinux. There is also root and I guessed that the password was root. I ended up changing the password for petalinux so not sure what happens if you only try to login as petalinux.
Dont forget to poweroff.