While working on this PR https://github.com/bitcoin/bitcoin/pull/18570 I ran into a bit confusing situation where in one function a **CWallet reference** was expected while two others dealt with **CWallet pointers**. My initial reaction was: `let's harmonize them by making them references`. However, not being part of the PR itself I did't change anything and completed the PR first.

Now, after having analyzed the `rpcwallet.cpp` code I came to the conclusion that:

* converting them all into references is not the solution as they're originally **shared_ptr**s
* but also: there is no (visible) reason why every RPC function should begin like this:

```cpp
std::shared_ptr<CWallet> const pwallet = GetWalletForJSONRPCRequest(request);
const CWallet* const pwallet = wallet.get();
```

This clearly defeats the purpose of shared pointers for no obvious reason. *Maybe I am missing something?*

In my (unpublished) [code changes](https://github.com/brakmic/bitcoin/commit/0b3ee615491edf6f542631bf6ae6f72eac406550) all raw pointers got replaced with **shared_ptr**s but kept their original names (that is, *pwallet*). In the end, they're pointers too, so the most of the original code remained untouched.

However, some of the helper functions couldn't be changed because external code is accessing them and I didn't want to make this task "virulent". So I introduced new ("Ref") variants that expect **shared_ptr** parameters, namely: 

```cpp
void EnsureWalletRefIsUnlocked(const std::shared_ptr<CWallet>);
bool EnsureWalletRefIsAvailable(const std::shared_ptr<CWallet>, bool avoidException);
```

I have tested the code, with python and boost-tests, and could not find any errors. 
But before opening a PR I would like to open a discussion about this. 

Is there any reason to keep on working with raw pointers when every function call actually begins with *shared_ptr*s?

Regards,
{
    if (!fee_rate.isNull()) {
        if (!conf_target.isNull()) {
            throw JSONRPCError(RPC_INVALID_PARAMETER, "Cannot specify both conf_target and fee_rate. Please provide either a confirmation target in blocks for automatic fee estimation, or an explicit fee rate.");
        }
        if (!estimate_mode.isNull() && estimate_mode.get_str() != "unset") {
            throw JSONRPCError(RPC_INVALID_PARAMETER, "Cannot specify both estimate_mode and fee_rate");
        }
        cc.m_feerate = CFeeRate(AmountFromValue(fee_rate), COIN);
        if (override_min_fee) cc.fOverrideFeeRate = true;
        
        if (cc.m_signal_bip125_rbf == nullopt) cc.m_signal_bip125_rbf = true;
        return;
    }
    if (!estimate_mode.isNull() && !FeeModeFromString(estimate_mode.get_str(), cc.m_fee_mode)) {
        throw JSONRPCError(RPC_INVALID_PARAMETER, InvalidEstimateModeErrorMessage());
    }
    if (!conf_target.isNull()) {
        cc.m_confirm_target = ParseConfirmTarget(conf_target, wallet.chain().estimateMaxBlocks());
    }
}
static RPCHelpMan getnewaddress()