random: make credit_entropy_bits() always safe

This is called from various hwgenerator drivers, so rather than having
one "safe" version for userspace and one "unsafe" version for the
kernel, just make everything safe; the checks are cheap and sensible to
have anyway.

Reported-by: Sultan Alsawaf <sultan@kerneltoast.com>
Reviewed-by: Eric Biggers <ebiggers@google.com>
Reviewed-by: Dominik Brodowski <linux@dominikbrodowski.net>
Signed-off-by: Jason A. Donenfeld <Jason@zx2c4.com>