`bitcoind` and `bitcoin-qt` crashes when creating a PSBT with `walletcreatefundedpsbt`

**Expected behavior**

`bitcoind` and `bitcoin-qt` should not crash and users should not see assertion errors on mainnet. Failing gracefully with some error message would be better. Although I was not able to reproduce this issue on Fedora so ideally this should be fixed.

**Actual behavior**

Error in bitcoind:

```
Assertion failed: selected_effective_value >= target, file wallet/coinselection.cpp, line 391
```

Error in bitcoin-qt:

![image](https://user-images.githubusercontent.com/94559964/192375828-d8e6f628-f52c-4aa8-ae99-19c2fe1a4934.png)


**To reproduce**

1. Create bitcoin.conf 

```
signet=1
txindex=1

signet.rpcport=38332
rpcuser=user
rpcpassword=pass

fallbackfee=0.0004
```

2. Add descriptor in a wallet using bitcoin-qt console:


```
importmulti '[{ "desc": "sh(multi(2,[aa130fed]02de62833c851509cf13c0c63e0dc3ef7b74f7d86b17e9090fab68c09830cb2f2e,[00890d8d]03cf11a2bc1371dad3691bce59e37d85b12aae6b030b533d4e7c5aedeb47a5ec0e))#j8w6g6zg", "timestamp":"now"}]'
```

3. Create PSBT using bitcoin-qt, click on different options in the error message and you will notice it creates PSBT with no change by clicking 'ignore' 3 times else crashes with others:

```
walletcreatefundedpsbt "[{\"txid\":\"e911734bf711009dd6057c88bc598df2d31c18d1cc6bd6c790a704b519d77e68\",\"vout\":0}]" "[{\"tb1q9fxp2p0sm93jdlul8v3svzn7x69zcd9ljsgans\":\"0.0009\"}]"

```

4. Close bitcoin-qt and open powershell or command prompt to create PSBT:

```
bitcoind.exe
````

```
bitcoin-cli.exe -rpcwallet=M1 walletcreatefundedpsbt "[{\"txid\":\"e911734bf711009dd6057c88bc598df2d31c18d1cc6bd6c790a704b519d77e68\",\"vout\":0}]" "[{\"tb1q9fxp2p0sm93jdlul8v3svzn7x69zcd9ljsgans\":\"0.0009\"}]"
```

**System information**

Windows 10

Bitcoin Core Master Branch


}
    if (std::any_of(vecSend.cbegin(), vecSend.cend(), [](const auto& recipient){ return recipient.nAmount < 0; })) {
        return util::Error{_("Transaction amounts must not be negative")};
    }
    LOCK(wallet.cs_wallet);
    auto res = CreateTransactionInternal(wallet, vecSend, change_pos, coin_control, sign);
    TRACE4(coin_selection, normal_create_tx_internal, wallet.GetName().c_str(), bool(res),
           res ? res->fee : 0, res ? res->change_pos : 0);
    if (!res) return res;
    const auto& txr_ungrouped = *res;
    
    if (txr_ungrouped.fee > 0  && wallet.m_max_aps_fee > -1 && !coin_control.m_avoid_partial_spends) {
        TRACE1(coin_selection, attempting_aps_create_tx, wallet.GetName().c_str());
        CCoinControl tmp_cc = coin_control;
        tmp_cc.m_avoid_partial_spends = true;
        auto txr_grouped = CreateTransactionInternal(wallet, vecSend, change_pos, tmp_cc, sign);
        
        const bool use_aps{txr_grouped.has_value() ? (txr_grouped->fee <= txr_ungrouped.fee + wallet.m_max_aps_fee) : false};
        TRACE5(coin_selection, aps_create_tx_internal, wallet.GetName().c_str(), use_aps, txr_grouped.has_value(),
               txr_grouped.has_value() ? txr_grouped->fee : 0, txr_grouped.has_value() ? txr_grouped->change_pos : 0);
        if (txr_grouped) {
            wallet.WalletLogPrintf("Fee non-grouped = %lld, grouped = %lld, using %s\n",
                txr_ungrouped.fee, txr_grouped->fee, use_aps ? "grouped" : "non-grouped");
            if (use_aps) return txr_grouped;
        }
    }
    return res;
}
bool FundTransaction(CWallet& wallet, CMutableTransaction& tx, CAmount& nFeeRet, int& nChangePosInOut, bilingual_str& error, bool lockUnspents, const std::set<int>& setSubtractFeeFromOutputs, CCoinControl coinControl)
{