Bitcoin Core v0.21.1

`bitcoin-cli walletprocesspsbt` does not trigger a `wallet locked please enter passphrase` warning when using a wallet which holds private keys. To be clear I am experiencing this behavior when using the `default` wallet created by core.

The expected behavior would be to remind the user they are dealing with an encrypted wallet, since `walletprocesspsbt` attempts to access private keys to sign the psbt. It would be useful if a warning were present in the rpc response to remind the user they are dealing with an encrypted wallet. 
{
    QString tx_description = "";
    CAmount totalAmount = 0;
    for (const CTxOut& out : psbtx.tx->vout) {
        CTxDestination address;
        ExtractDestination(out.scriptPubKey, address);
        totalAmount += out.nValue;
        tx_description.append(tr(" * Sends %1 to %2")
            .arg(BitcoinUnits::formatWithUnit(BitcoinUnits::BTC, out.nValue))
            .arg(QString::fromStdString(EncodeDestination(address))));
        tx_description.append("<br>");
    }
    PSBTAnalysis analysis = AnalyzePSBT(psbtx);
    tx_description.append(" * ");
    if (!*analysis.fee) {
        
        tx_description.append(tr("Unable to calculate transaction fee or total transaction amount."));
    } else {
        tx_description.append(tr("Pays transaction fee: "));
        tx_description.append(BitcoinUnits::formatWithUnit(BitcoinUnits::BTC, *analysis.fee));
        
        tx_description.append("<hr />");
        QStringList alternativeUnits;
        for (const BitcoinUnits::Unit u : BitcoinUnits::availableUnits())
        {
            if(u != m_client_model->getOptionsModel()->getDisplayUnit()) {
                alternativeUnits.append(BitcoinUnits::formatHtmlWithUnit(u, totalAmount));
            }
        }
        tx_description.append(QString("<b>%1</b>: <b>%2</b>").arg(tr("Total Amount"))