HA can create its own device Matter credentials (Matter commissioning without GMS)

**Is your feature request related to a problem? Please describe.**
Yes, today this code is managed by Google, and generates the error **Failed to generate device credentials** if you don't have a Google account in your Android device, which is confusing for the end user.

This was reported an discussed on #Thread Discord and also in this issue: https://github.com/home-assistant/core/issues/105535

**Describe the solution you'd like**
HA is able to generate the credentials by itself, this way this error would never occur and as an extra benefit a Google account dependency will not exist.

**Additional context**
It is a candidate feature I could try to give my first contribution to HA if someone is able to onboard me.