While working on this PR https://github.com/bitcoin/bitcoin/pull/18570 I ran into a bit confusing situation where in one function a **CWallet reference** was expected while two others dealt with **CWallet pointers**. My initial reaction was: `let's harmonize them by making them references`. However, not being part of the PR itself I did't change anything and completed the PR first.

Now, after having analyzed the `rpcwallet.cpp` code I came to the conclusion that:

* converting them all into references is not the solution as they're originally **shared_ptr**s
* but also: there is no (visible) reason why every RPC function should begin like this:

```cpp
std::shared_ptr<CWallet> const pwallet = GetWalletForJSONRPCRequest(request);
const CWallet* const pwallet = wallet.get();
```

This clearly defeats the purpose of shared pointers for no obvious reason. *Maybe I am missing something?*

In my (unpublished) [code changes](https://github.com/brakmic/bitcoin/commit/0b3ee615491edf6f542631bf6ae6f72eac406550) all raw pointers got replaced with **shared_ptr**s but kept their original names (that is, *pwallet*). In the end, they're pointers too, so the most of the original code remained untouched.

However, some of the helper functions couldn't be changed because external code is accessing them and I didn't want to make this task "virulent". So I introduced new ("Ref") variants that expect **shared_ptr** parameters, namely: 

```cpp
void EnsureWalletRefIsUnlocked(const std::shared_ptr<CWallet>);
bool EnsureWalletRefIsAvailable(const std::shared_ptr<CWallet>, bool avoidException);
```

I have tested the code, with python and boost-tests, and could not find any errors. 
But before opening a PR I would like to open a discussion about this. 

Is there any reason to keep on working with raw pointers when every function call actually begins with *shared_ptr*s?

Regards,
auto it = spk_man.m_script_metadata.find(scriptid);
        if (it != spk_man.m_script_metadata.end()) {
            create_time = FormatISO8601DateTime(it->second.nCreateTime);
        }
        if(spk_man.GetCScript(scriptid, script)) {
            file << strprintf("%s %s script=1", HexStr(script), create_time);
            file << strprintf(" # addr=%s\n", address);
        }
    }
    file << "\n";
    file << "# End of dump\n";
    file.close();
    UniValue reply(UniValue::VOBJ);
    reply.pushKV("filename", filepath.string());
    return reply;
},
    };
}
struct ImportData
{
    
    std::unique_ptr<CScript> redeemscript; 
    std::unique_ptr<CScript> witnessscript; 
    
    std::set<CScript> import_scripts;
    std::map<CKeyID, bool> used_keys; 
    std::map<CKeyID, std::pair<CPubKey, KeyOriginInfo>> key_origins;
};
enum class ScriptContext