Which of the following issues is likely to cause local access problems?

The choice that indicates an issue likely to cause local access problems is the one related to expired passwords or accounts. When a user's password has expired or their account has been disabled, they will be unable to log in to the system, even if they are physically present at the console. This is a direct barrier to local access because the authentication process will prevent any login attempt from succeeding until the password is reset or the account is re-enabled.

Misconfigured SSH settings primarily impact remote access rather than local access, as they dictate how users connect to the system over the network. File permission errors can restrict access to specific files or directories but do not prevent a user from logging into the system altogether. Network firewall configurations are intended to manage traffic through the network, primarily affecting remote connections and external access rather than local user logins. Therefore, expired passwords or accounts is the most significant factor that directly impedes local access.