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. 
{
    return RPCHelpMan{"listwallets",
                "Returns a list of currently loaded wallets.\n"
                "For full information on the wallet, use \"getwalletinfo\"\n",
                {},
                RPCResult{
                    RPCResult::Type::ARR, "", "",
                    {
                        {RPCResult::Type::STR, "walletname", "the wallet name"},
                    }
                },
                RPCExamples{
                    HelpExampleCli("listwallets", "")
            + HelpExampleRpc("listwallets", "")
                },
        [&](const RPCHelpMan& self, const JSONRPCRequest& request) -> UniValue
{
    UniValue obj(UniValue::VARR);
    WalletContext& context = EnsureWalletContext(request.context);
    for (const std::shared_ptr<CWallet>& wallet : GetWallets(context)) {
        LOCK(wallet->cs_wallet);
        obj.push_back(wallet->GetName());
    }
    return obj;
},
    };
}
static std::tuple<std::shared_ptr<CWallet>, std::vector<bilingual_str>> LoadWalletHelper(WalletContext& context, UniValue load_on_start_param, const std::string wallet_name)