net: phy: Avoid NPD upon phy_detach() when driver is unbound

If we have unbound the PHY driver prior to calling phy_detach() (often
via phy_disconnect()) then we can cause a NULL pointer de-reference
accessing the driver owner member. The steps to reproduce are:

echo unimac-mdio-0:01 > /sys/class/net/eth0/phydev/driver/unbind
ip link set eth0 down

Fixes: cafe8df8 ("net: phy: Fix lack of reference count on PHY driver")
Signed-off-by: Florian Fainelli <f.fainelli@gmail.com>
Reviewed-by: Andrew Lunn <andrew@lunn.ch>
Signed-off-by: David S. Miller <davem@davemloft.net>