Create a wallet as follows:

```sh
$ bitcoin-cli createwallet "watchonly" true
$ bitcoin-cli -rpcwallet=watchonly getwalletinfo
{
   ...
   "private_keys_enabled": false
}
```

The following should fail, but doesn't:

```sh
$ bitcoin-cli -rpcwallet=watchonly encryptwallet 1234
wallet encrypted; The keypool has been flushed and a new HD seed was generated (if you are using HD). You need to make a new backup.
```

It partially fails silently, because it doesn't actually add a seed. But it does ask for a password when calling `dumpwallet`, which doesn't make sense because we currently don't encrypt anything other than private keys.  
{
    if (request.fHelp || request.params.size() != 0)
        throw std::runtime_error(
            RPCHelpMan{"listwallets",
                "Returns a list of currently loaded wallets.\n"
                "For full information on the wallet, use \"getwalletinfo\"\n",
                {},
                RPCResult{
            "[                         (json array of strings)\n"
            "  \"walletname\"            (string) the wallet name\n"
            "   ...\n"
            "]\n"
                },
                RPCExamples{
                    HelpExampleCli("listwallets", "")
            + HelpExampleRpc("listwallets", "")
                },
            }.ToString());
    UniValue obj(UniValue::VARR);
    for (const std::shared_ptr<CWallet>& wallet : GetWallets()) {
        if (!EnsureWalletIsAvailable(wallet.get(), request.fHelp)) {
            return NullUniValue;
        }
        LOCK(wallet->cs_wallet);
        obj.push_back(wallet->GetName());
    }
    return obj;
}
static UniValue loadwallet(const JSONRPCRequest& request)