This is such an open ended question, (and Google search returned mixed results) but basically, I am trying to create a Google Form that dynamically creates new Sections base
This is possible, but you would have to use multiple forms.
Google forms are static and can't be edited or altered with script during a session (user opening a form until they submit it). You can't pull out values that a user has entered into a form until they have submitted it.
As a result you could have an initial form which collects all the values which would influence subsequent forms, then use a script to take the results and create a new form, (e.g. with 12 fields for the 12 provisioned users in your initial example) and then email a link to this form to your end user.