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.
{
    return m_wallet->encryptWallet(passphrase);
}
bool WalletModel::setWalletLocked(bool locked, const SecureString &passPhrase)
{
    if(locked)
    {
        
        return m_wallet->lock();
    }
    else
    {
        
        return m_wallet->unlock(passPhrase);
    }
}
bool WalletModel::changePassphrase(const SecureString &oldPass, const SecureString &newPass)
{
    m_wallet->lock(); 
    return m_wallet->changeWalletPassphrase(oldPass, newPass);
}
static void NotifyUnload(WalletModel* walletModel)
{
    qDebug() << "NotifyUnload";
    bool invoked = QMetaObject::invokeMethod(walletModel, "unload");
    assert(invoked);
}
static void NotifyKeyStoreStatusChanged(WalletModel *walletmodel)