Bitcoin Core v0.21.1

`bitcoin-cli walletprocesspsbt` does not trigger a `wallet locked please enter passphrase` warning when using a wallet which holds private keys. To be clear I am experiencing this behavior when using the `default` wallet created by core.

The expected behavior would be to remind the user they are dealing with an encrypted wallet, since `walletprocesspsbt` attempts to access private keys to sign the psbt. It would be useful if a warning were present in the rpc response to remind the user they are dealing with an encrypted wallet. 
if (!request.params[3].isNull()) {
        std::optional<OutputType> parsed = ParseOutputType(request.params[3].get_str());
        if (!parsed) {
            throw JSONRPCError(RPC_INVALID_ADDRESS_OR_KEY, strprintf("Unknown address type '%s'", request.params[3].get_str()));
        } else if (parsed.value() == OutputType::BECH32M) {
            throw JSONRPCError(RPC_INVALID_ADDRESS_OR_KEY, "Bech32m multisig addresses cannot be created with legacy wallets");
        }
        output_type = parsed.value();
    }
    
    CScript inner;
    CTxDestination dest = AddAndGetMultisigDestination(required, pubkeys, output_type, spk_man, inner);
    pwallet->SetAddressBook(dest, label, "send");
    
    std::unique_ptr<Descriptor> descriptor = InferDescriptor(GetScriptForDestination(dest), spk_man);
    UniValue result(UniValue::VOBJ);
    result.pushKV("address", EncodeDestination(dest));
    result.pushKV("redeemScript", HexStr(inner));
    result.pushKV("descriptor", descriptor->ToString());
    return result;
},
    };
}
struct tallyitem
{
    CAmount nAmount{0};
    int nConf{std::numeric_limits<int>::max()};
    std::vector<uint256> txids;
    bool fIsWatchonly{false};
    tallyitem()