Steps to reproduce on regtest:

```
converttopsbt 02000000000101ab73dba46508bacdb49a988ddd74bc9d39c9cb7e057af060ca8c6b6861e28e3c0300000000feffffff02b828d0b20000000017a914d1954862afd728fbb055149002958e1d1b9e1f0b8700ca9a3b0000000017a91442170ccb3441cff1723af9afab6f2553103e1d578702473044022077380c6e16496d9905aef120694c329be51522847cb5d53fa74b94698c95678d02202d32c46e0e17420a83dee830fefda7d40529182f5d82be47c2b49a7b83214ab50121026d483d6628dcc3ef6e3ab9ed4937c452c263c7e0ac80eb4be97426d5da8f640500000000
```
or 
```
converttopsbt 02000000000101ab73dba46508bacdb49a988ddd74bc9d39c9cb7e057af060ca8c6b6861e28e3c0300000000feffffff02b828d0b20000000017a914d1954862afd728fbb055149002958e1d1b9e1f0b8700ca9a3b0000000017a91442170ccb3441cff1723af9afab6f2553103e1d578702473044022077380c6e16496d9905aef120694c329be51522847cb5d53fa74b94698c95678d02202d32c46e0e17420a83dee830fefda7d40529182f5d82be47c2b49a7b83214ab50121026d483d6628dcc3ef6e3ab9ed4937c452c263c7e0ac80eb4be97426d5da8f640500000000 false
```

Further reading: #13738
"\nNow set the passphrase to use the wallet, such as for signing or sending bitcoin\n"
            + HelpExampleCli("walletpassphrase", "\"my pass phrase\"") +
            "\nNow we can do something like sign\n"
            + HelpExampleCli("signmessage", "\"address\" \"test message\"") +
            "\nNow lock the wallet again by removing the passphrase\n"
            + HelpExampleCli("walletlock", "") +
            "\nAs a JSON-RPC call\n"
            + HelpExampleRpc("encryptwallet", "\"my pass phrase\"")
                },
            }.ToString());
    }
    auto locked_chain = pwallet->chain().lock();
    LOCK(pwallet->cs_wallet);
    if (pwallet->IsCrypted()) {
        throw JSONRPCError(RPC_WALLET_WRONG_ENC_STATE, "Error: running with an encrypted wallet, but encryptwallet was called.");
    }
    
    
    SecureString strWalletPass;
    strWalletPass.reserve(100);
    strWalletPass = request.params[0].get_str().c_str();
    if (strWalletPass.empty()) {
        throw JSONRPCError(RPC_INVALID_PARAMETER, "passphrase can not be empty");
    }
    if (!pwallet->EncryptWallet(strWalletPass)) {
        throw JSONRPCError(RPC_WALLET_ENCRYPTION_FAILED, "Error: Failed to encrypt the wallet.");
    }
    return "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.";
}
static UniValue lockunspent(const JSONRPCRequest& request)