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.
{
    QTimer::singleShot(0, [text, cancel]() {
        for (QWidget* widget : QApplication::topLevelWidgets()) {
            if (widget->inherits("SendConfirmationDialog")) {
                SendConfirmationDialog* dialog = qobject_cast<SendConfirmationDialog*>(widget);
                if (text) *text = dialog->text();
                QAbstractButton* button = dialog->button(cancel ? QMessageBox::Cancel : QMessageBox::Yes);
                button->setEnabled(true);
                button->click();
            }
        }
    });
}
uint256 SendCoins(CWallet& wallet, SendCoinsDialog& sendCoinsDialog, const CTxDestination& address, CAmount amount, bool rbf)