Steps to reproduce on regtest:

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

Further reading: #13738
if (!fSubtractFeeFromAmount && nValue + nFeeRequired > curBalance)
            strError = strprintf("Error: This transaction requires a transaction fee of at least %s", FormatMoney(nFeeRequired));
        throw JSONRPCError(RPC_WALLET_ERROR, strError);
    }
    CValidationState state;
    if (!pwallet->CommitTransaction(tx, std::move(mapValue), {} , reservekey, state)) {
        strError = strprintf("Error: The transaction was rejected! Reason given: %s", FormatStateMessage(state));
        throw JSONRPCError(RPC_WALLET_ERROR, strError);
    }
    return tx;
}
static UniValue sendtoaddress(const JSONRPCRequest& request)
{
    std::shared_ptr<CWallet> const wallet = GetWalletForJSONRPCRequest(request);
    CWallet* const pwallet = wallet.get();
    if (!EnsureWalletIsAvailable(pwallet, request.fHelp)) {
        return NullUniValue;
    }
    if (request.fHelp || request.params.size() < 2 || request.params.size() > 8)
        throw std::runtime_error(
            RPCHelpMan{"sendtoaddress",
                "\nSend an amount to a given address." +
                    HelpRequiringPassphrase(pwallet) + "\n",
                {
                    {"address", RPCArg::Type::STR, RPCArg::Optional::NO, "The bitcoin address to send to."},
                    {"amount", RPCArg::Type::AMOUNT, RPCArg::Optional::NO, "The amount in " + CURRENCY_UNIT + " to send. eg 0.1"},
                    {"comment", RPCArg::Type::STR, RPCArg::Optional::OMITTED_NAMED_ARG, "A comment used to store what the transaction is for.\n"
            "                             This is not part of the transaction, just kept in your wallet."},
                    {"comment_to", RPCArg::Type::STR, RPCArg::Optional::OMITTED_NAMED_ARG, "A comment to store the name of the person or organization\n"
            "                             to which you're sending the transaction. This is not part of the \n"