A user reported to me that they are unable to create a PSBT with a legacy watchonly wallet when they use the GUI. They get an error "The amount exceeds your balance".

I think the issue is that the GUI will retrieve the wallet's balance via `AvailableCoins` before calling `CreateTransaction`. This call to `AvailableCoins` is resulting in fewer coins being returned with recent changes to how `AvailableCoins` works, particularly with additional filtering of spendable coins and preset coins.

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Note that this does not effect descriptor wallets. A workaround for this issue is to switch to using descriptor wallets. An existing legacy wallet can be turned into a descriptor wallet using the `migratewallet` RPC. However many watchonly legacy wallets are likely the result of importing descriptors via `importmulti`. For such wallets, I recommend creating a new descriptor wallet and re-importing the descriptors.
if (IsCurrentForAntiFeeSniping(chain, block_hash)) {
        tx.nLockTime = block_height;
        
        
        
        
        if (rng_fast.randrange(10) == 0) {
            tx.nLockTime = std::max(0, int(tx.nLockTime) - int(rng_fast.randrange(100)));
        }
    } else {
        
        
        
        tx.nLockTime = 0;
    }
    
    assert(tx.nLockTime < LOCKTIME_THRESHOLD); 
    assert(tx.nLockTime <= uint64_t(block_height));
    for (const auto& in : tx.vin) {
        
        assert(in.nSequence != CTxIn::SEQUENCE_FINAL);
        
        if (in.nSequence == CTxIn::MAX_SEQUENCE_NONFINAL) continue;
        
        if (in.nSequence == MAX_BIP125_RBF_SEQUENCE) continue;