Steps to reproduce on regtest:

```
converttopsbt 02000000000101ab73dba46508bacdb49a988ddd74bc9d39c9cb7e057af060ca8c6b6861e28e3c0300000000feffffff02b828d0b20000000017a914d1954862afd728fbb055149002958e1d1b9e1f0b8700ca9a3b0000000017a91442170ccb3441cff1723af9afab6f2553103e1d578702473044022077380c6e16496d9905aef120694c329be51522847cb5d53fa74b94698c95678d02202d32c46e0e17420a83dee830fefda7d40529182f5d82be47c2b49a7b83214ab50121026d483d6628dcc3ef6e3ab9ed4937c452c263c7e0ac80eb4be97426d5da8f640500000000
```
or 
```
converttopsbt 02000000000101ab73dba46508bacdb49a988ddd74bc9d39c9cb7e057af060ca8c6b6861e28e3c0300000000feffffff02b828d0b20000000017a914d1954862afd728fbb055149002958e1d1b9e1f0b8700ca9a3b0000000017a91442170ccb3441cff1723af9afab6f2553103e1d578702473044022077380c6e16496d9905aef120694c329be51522847cb5d53fa74b94698c95678d02202d32c46e0e17420a83dee830fefda7d40529182f5d82be47c2b49a7b83214ab50121026d483d6628dcc3ef6e3ab9ed4937c452c263c7e0ac80eb4be97426d5da8f640500000000 false
```

Further reading: #13738
if (!params[1].isNull())
        fIncludeEmpty = params[1].get_bool();
    isminefilter filter = ISMINE_SPENDABLE;
    if(!params[2].isNull())
        if(params[2].get_bool())
            filter = filter | ISMINE_WATCH_ONLY;
    bool has_filtered_address = false;
    CTxDestination filtered_address = CNoDestination();
    if (!by_label && params.size() > 3) {
        if (!IsValidDestinationString(params[3].get_str())) {
            throw JSONRPCError(RPC_WALLET_ERROR, "address_filter parameter was invalid");
        }
        filtered_address = DecodeDestination(params[3].get_str());
        has_filtered_address = true;
    }
    
    std::map<CTxDestination, tallyitem> mapTally;
    for (const std::pair<const uint256, CWalletTx>& pairWtx : pwallet->mapWallet) {
        const CWalletTx& wtx = pairWtx.second;
        if (wtx.IsCoinBase() || !locked_chain.checkFinalTx(*wtx.tx)) {
            continue;
        }
        int nDepth = wtx.GetDepthInMainChain(locked_chain);
        if (nDepth < nMinDepth)
            continue;
        for (const CTxOut& txout : wtx.tx->vout)
        {
            CTxDestination address;
            if (!ExtractDestination(txout.scriptPubKey, address))
                continue;