The wizard assumes that you know what you are doing as it should. It
doesn't know when you create a single form based on two tables with a 1-many
relationship whether you want the one, the many, or both to be able to be
added/updated. Only you know that and that dictates which fields need to be
included in the query.
You will be much better off if you use a form with a subform for a 1-many
relationship. The whole process will make much more sense. As long as the
master/child links are properly set, you will not need the foreign key in
the subform, Access will set it with the correct value whenever you add a
new record. But you do need to make sure that your relationships are
properly defined and RI is enforced.
I have been using Access for 10 years and I still frequently use the wizards
to make the first cut at a form. First I build my own query to control what
goes on the form then I use either the standard default builder or sometimes
the wizard. Once the basic form is built with all the fields, I rearrange
it to be more visually pleasing and go on from there.