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In my (unpublished) [code changes](https://github.com/brakmic/bitcoin/commit/0b3ee615491edf6f542631bf6ae6f72eac406550) all raw pointers got replaced with **shared_ptr**s but kept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,
{
public:
    const SigningProvider * const provider;
    void ProcessSubScript(const CScript& subscript, UniValue& obj) const
    {
        
        std::vector<std::vector<unsigned char>> solutions_data;
        TxoutType which_type = Solver(subscript, solutions_data);
        obj.pushKV("script", GetTxnOutputType(which_type));
        obj.pushKV("hex", HexStr(subscript));
        CTxDestination embedded;
        if (ExtractDestination(subscript, embedded)) {
            
            UniValue subobj(UniValue::VOBJ);
            UniValue detail = DescribeAddress(embedded);
            subobj.pushKVs(detail);
            UniValue wallet_detail = std::visit(*this, embedded);
            subobj.pushKVs(wallet_detail);
            subobj.pushKV("address", EncodeDestination(embedded));
            subobj.pushKV("scriptPubKey", HexStr(subscript));
            
            if (subobj.exists("pubkey")) obj.pushKV("pubkey", subobj["pubkey"]);
            obj.pushKV("embedded", std::move(subobj));
        } else if (which_type == TxoutType::MULTISIG) {
            
            
            obj.pushKV("sigsrequired", solutions_data[0][0]);
            UniValue pubkeys(UniValue::VARR);
            for (size_t i = 1; i < solutions_data.size() - 1; ++i) {