This differs from behaviour of `importaddress` where it works.
```
$ bitcoin-cli importaddress "<address>" "<label>" false
```
vs
```
$ bitcoin-cli importmulti '[{ "scriptPubKey": { "address": "<address>" }, "timestamp":0, "label": "<label>", "watchonly": true }]' '{ "rescan": false }'
error code: -13
error message:
Error: Please enter the wallet passphrase with walletpassphrase first.
```
{
    UniValue warnings(UniValue::VARR);
    const std::string& descriptor = data["desc"].get_str();
    FlatSigningProvider keys;
    std::string error;
    auto parsed_desc = Parse(descriptor, keys, error, /* rue);
    if (!parsed_desc) {
        throw JSONRPCError(RPC_INVALID_ADDRESS_OR_KEY, error);
    }
    if (parsed_desc->GetOutputType() == OutputType::BECH32M) {
        throw JSONRPCError(RPC_INVALID_ADDRESS_OR_KEY, "Bech32m descriptors cannot be imported into legacy wallets");
    }
    have_solving_data = parsed_desc->IsSolvable();
    const bool watch_only = data.exists("watchonly") ? data["watchonly"].get_bool() : false;
    int64_t range_start = 0, range_end = 0;
    if (!parsed_desc->IsRange() && data.exists("range")) {
        throw JSONRPCError(RPC_INVALID_PARAMETER, "Range should not be specified for an un-ranged descriptor");
    } else if (parsed_desc->IsRange()) {
        if (!data.exists("range")) {
            throw JSONRPCError(RPC_INVALID_PARAMETER, "Descriptor is ranged, please specify the range");
        }
        std::tie(range_start, range_end) = ParseDescriptorRange(data["range"]);