While working on this PR https://github.com/bitcoin/bitcoin/pull/18570 I ran into a bit confusing situation where in one function a **CWallet reference** was expected while two others dealt with **CWallet pointers**. My initial reaction was: `let's harmonize them by making them references`. However, not being part of the PR itself I did't change anything and completed the PR first.

Now, after having analyzed the `rpcwallet.cpp` code I came to the conclusion that:

* converting them all into references is not the solution as they're originally **shared_ptr**s
* but also: there is no (visible) reason why every RPC function should begin like this:

```cpp
std::shared_ptr<CWallet> const pwallet = GetWalletForJSONRPCRequest(request);
const CWallet* const pwallet = wallet.get();
```

This clearly defeats the purpose of shared pointers for no obvious reason. *Maybe I am missing something?*

In my (unpublished) [code changes](https://github.com/brakmic/bitcoin/commit/0b3ee615491edf6f542631bf6ae6f72eac406550) all raw pointers got replaced with **shared_ptr**s but kept their original names (that is, *pwallet*). In the end, they're pointers too, so the most of the original code remained untouched.

However, some of the helper functions couldn't be changed because external code is accessing them and I didn't want to make this task "virulent". So I introduced new ("Ref") variants that expect **shared_ptr** parameters, namely: 

```cpp
void EnsureWalletRefIsUnlocked(const std::shared_ptr<CWallet>);
bool EnsureWalletRefIsAvailable(const std::shared_ptr<CWallet>, bool avoidException);
```

I have tested the code, with python and boost-tests, and could not find any errors. 
But before opening a PR I would like to open a discussion about this. 

Is there any reason to keep on working with raw pointers when every function call actually begins with *shared_ptr*s?

Regards,
})
        },
        RPCExamples{
    "\nBump the fee, get the new transaction\'s" + std::string(want_psbt ? "psbt" : "txid") + "\n" +
            HelpExampleCli(method_name, "<txid>")
        },
        [want_psbt](const RPCHelpMan& self, const JSONRPCRequest& request) mutable -> UniValue
{
    std::shared_ptr<CWallet> const wallet = GetWalletForJSONRPCRequest(request);
    if (!wallet) return NullUniValue;
    CWallet* const pwallet = wallet.get();
    if (pwallet->IsWalletFlagSet(WALLET_FLAG_DISABLE_PRIVATE_KEYS) && !want_psbt) {
        throw JSONRPCError(RPC_WALLET_ERROR, "bumpfee is not available with wallets that have private keys disabled. Use psbtbumpfee instead.");
    }
    RPCTypeCheck(request.params, {UniValue::VSTR, UniValue::VOBJ});
    uint256 hash(ParseHashV(request.params[0], "txid"));
    CCoinControl coin_control;
    coin_control.fAllowWatchOnly = pwallet->IsWalletFlagSet(WALLET_FLAG_DISABLE_PRIVATE_KEYS);
    
    coin_control.m_signal_bip125_rbf = true;
    if (!request.params[1].isNull()) {
        UniValue options = request.params[1];
        RPCTypeCheckObj(options,
            {
                {"confTarget", UniValueType(UniValue::VNUM)},
                {"conf_target", UniValueType(UniValue::VNUM)},
                {"fee_rate", UniValueType()}, 
                {"replaceable", UniValueType(UniValue::VBOOL)},
                {"estimate_mode", UniValueType(UniValue::VSTR)},
            },