create a virtual floppy image without mount?

There are a lot of posts to show to create a virtual floppy image file as a super user or users can run sudo command. The basic steps are:

1. create empty 1.44MB image file by dd command
2. format the image file by mkfs.msdos
3. mount the image file to some mount point
4. copy something to the mount point
5. umount the virtual floppy image file

my question is, in case I am just a common user who cannot run sudo command, how can I follow above steps to create a virtual floppy image and write something in it?

Thanks a lot.