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.

***

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.
CTransactionRef tx = MakeTransactionRef(std::move(txNew));
    
    if ((sign && GetTransactionWeight(*tx) > MAX_STANDARD_TX_WEIGHT) ||
        (!sign && tx_sizes.weight > MAX_STANDARD_TX_WEIGHT))
    {
        return util::Error{_("Transaction too large")};
    }
    if (current_fee > wallet.m_default_max_tx_fee) {
        return util::Error{TransactionErrorString(TransactionError::MAX_FEE_EXCEEDED)};
    }
    if (gArgs.GetBoolArg("-walletrejectlongchains", DEFAULT_WALLET_REJECT_LONG_CHAINS)) {
        
        if (!wallet.chain().checkChainLimits(tx)) {
            return util::Error{_("Transaction has too long of a mempool chain")};
        }
    }
    
    
    reservedest.KeepDestination();
    wallet.WalletLogPrintf("Fee Calculation: Fee:%d Bytes:%u Tgt:%d (requested %d) Reason:\"%s\" Decay %.5f: Estimation: (%g - %g) %.2f%% %.1f/(%.1f %d mem %.1f out) Fail: (%g - %g) %.2f%% %.1f/(%.1f %d mem %.1f out)\n",
              current_fee, nBytes, feeCalc.returnedTarget, feeCalc.desiredTarget, StringForFeeReason(feeCalc.reason), feeCalc.est.decay,
              feeCalc.est.pass.start, feeCalc.est.pass.end,
              (feeCalc.est.pass.totalConfirmed + feeCalc.est.pass.inMempool + feeCalc.est.pass.leftMempool) > 0.0 ? 100 * feeCalc.est.pass.withinTarget / (feeCalc.est.pass.totalConfirmed + feeCalc.est.pass.inMempool + feeCalc.est.pass.leftMempool) : 0.0,
              feeCalc.est.pass.withinTarget, feeCalc.est.pass.totalConfirmed, feeCalc.est.pass.inMempool, feeCalc.est.pass.leftMempool,
              feeCalc.est.fail.start, feeCalc.est.fail.end,
              (feeCalc.est.fail.totalConfirmed + feeCalc.est.fail.inMempool + feeCalc.est.fail.leftMempool) > 0.0 ? 100 * feeCalc.est.fail.withinTarget / (feeCalc.est.fail.totalConfirmed + feeCalc.est.fail.inMempool + feeCalc.est.fail.leftMempool) : 0.0,
              feeCalc.est.fail.withinTarget, feeCalc.est.fail.totalConfirmed, feeCalc.est.fail.inMempool, feeCalc.est.fail.leftMempool);
    return CreatedTransactionResult(tx, current_fee, nChangePosInOut, feeCalc);
}
util::Result<CreatedTransactionResult> CreateTransaction(