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In my (unpublished) [code changes](https://github.com/brakmic/bitcoin/commit/0b3ee615491edf6f542631bf6ae6f72eac406550) all raw pointers got replaced with **shared_ptr**s but kept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,
return NullUniValue;
},
    };
}
void ParseRecipients(const UniValue& address_amounts, const UniValue& subtract_fee_outputs, std::vector<CRecipient> &recipients) {
    std::set<CTxDestination> destinations;
    int i = 0;
    for (const std::string& address: address_amounts.getKeys()) {
        CTxDestination dest = DecodeDestination(address);
        if (!IsValidDestination(dest)) {
            throw JSONRPCError(RPC_INVALID_ADDRESS_OR_KEY, std::string("Invalid Bitcoin address: ") + address);
        }
        if (destinations.count(dest)) {
            throw JSONRPCError(RPC_INVALID_PARAMETER, std::string("Invalid parameter, duplicated address: ") + address);
        }
        destinations.insert(dest);
        CScript script_pub_key = GetScriptForDestination(dest);
        CAmount amount = AmountFromValue(address_amounts[i++]);
        bool subtract_fee = false;
        for (unsigned int idx = 0; idx < subtract_fee_outputs.size(); idx++) {
            const UniValue& addr = subtract_fee_outputs[idx];
            if (addr.get_str() == address) {
                subtract_fee = true;
            }
        }
        CRecipient recipient = {script_pub_key, amount, subtract_fee};
        recipients.push_back(recipient);
    }
}
UniValue SendMoney(CWallet* const pwallet, const CCoinControl &coin_control, std::vector<CRecipient> &recipients, mapValue_t map_value, bool verbose)