False. Matter is internet agnostic. The ability to connect to the internet is not a requirement to connect to the internet.
Regular users can do whatever instructions they want to follow. For many that will whatever cloud instructions they are given. That doesn't mean that is a requirement, and the inability for complex high tech solution to cater for the ignorant doesn't mean that something doesn't work.
You're conflating two very different concepts. Matter very much is the solution you are looking for, even if a Matter enabled device still comes with an instruction book asking you to download the vendor's cloud app.