A user reported to me that they are unable to create a PSBT with a legacy watchonly wallet when they use the GUI. They get an error "The amount exceeds your balance".

I think the issue is that the GUI will retrieve the wallet's balance via `AvailableCoins` before calling `CreateTransaction`. This call to `AvailableCoins` is resulting in fewer coins being returned with recent changes to how `AvailableCoins` works, particularly with additional filtering of spendable coins and preset coins.

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Note that this does not effect descriptor wallets. A workaround for this issue is to switch to using descriptor wallets. An existing legacy wallet can be turned into a descriptor wallet using the `migratewallet` RPC. However many watchonly legacy wallets are likely the result of importing descriptors via `importmulti`. For such wallets, I recommend creating a new descriptor wallet and re-importing the descriptors.
{
    if(valid && relock)
    {
        wallet->setWalletLocked(true);
    }
}
bool WalletModel::bumpFee(uint256 hash, uint256& new_hash)
{
    CCoinControl coin_control;
    coin_control.m_signal_bip125_rbf = true;
    std::vector<bilingual_str> errors;
    CAmount old_fee;
    CAmount new_fee;
    CMutableTransaction mtx;
    if (!m_wallet->createBumpTransaction(hash, coin_control, errors, old_fee, new_fee, mtx)) {
        QMessageBox::critical(nullptr, tr("Fee bump error"), tr("Increasing transaction fee failed") + "<br />(" +
            (errors.size() ? QString::fromStdString(errors[0].translated) : "") +")");
        return false;
    }
    
    
    QString questionString = tr("Do you want to increase the fee?");
    questionString.append("<br />");
    questionString.append("<table style=\"text-align: left;\">");
    questionString.append("<tr><td>");
    questionString.append(tr("Current fee:"));
    questionString.append("</td><td>");
    questionString.append(BitcoinUnits::formatHtmlWithUnit(getOptionsModel()->getDisplayUnit(), old_fee));
    questionString.append("</td></tr><tr><td>");