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<!-- Describe the issue -->

**Expected behavior**

I'd expect funds in a watchonly wallet to be shown as "watchonly", be unspendable.

**Actual behavior**

Funds are shown as "mine" in getbalances, can be "spent" (sendtoaddress completes without error, however transaction is unspent and fails to enter mempool. Balance is incorrectly decremented)

**To reproduce**

Make a watchonly descriptor wallet.

```
bitcoin-cli createwallet w2 true true "" true true false 
```

Load up a descriptor that's got some funds on it.

```
$ bitcoin-cli -rpcwallet=w2 importdescriptors '[{"desc":"wpkh(tpubD6NzVbkrYhZ4Wh1z2cvkzQsM12k9kvyMMrGXi7rdk5eyUYUFND1qhB1zEZ3pJwSSSGLYsKfZLKNvs4L7oqNb8vJj3zJTvxMRCKWsNhX9JXQ/*)#86kup682", "timestamp":"now","active":true,"range":100}]'

```

See the balance.

```
$ bitcoin-cli -rpcwallet=w2 getbalances
{
  "mine": {
    "trusted": 3.00000000,
    "untrusted_pending": 3.00000000,
    "immature": 0.00000000,
    "used": 0.00000000
  }
}
```

Spend the balance.

```
$ bitcoin-cli -rpcwallet=w2 sendtoaddress bcrt1qnk09yy5ayyhwvfydg2x58zwy443pjx5uesg9gw 3.0 "" "" true
90bce182f476376e6cf3552e234c686ce5bfee4d47739081f5cba90de374156b
```

See the balance update.

```
$ bitcoin-cli -rpcwallet=w2 getbalances
{
  "mine": {
    "trusted": 0.00000000,
    "untrusted_pending": 0.00000000,
    "immature": 0.00000000,
    "used": 3.00000000
  }
}
```

Not in the mempool though

```
$ bitcoin-cli getmempoolentry 90bce182f476376e6cf3552e234c686ce5bfee4d47739081f5cba90de374156b
error code: -5
error message:
Transaction not in mempool
```


**System information**

Bitcoin Core version v0.21.0

<!-- What version of Bitcoin Core are you using, where did you get it (website, self-compiled, etc)? -->

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<!-- Any extra information that might be useful in the debugging process. -->
<!--- This is normally the contents of a `debug.log` or `config.log` file. Raw text or a link to a pastebin type site are preferred. -->

CScriptID id;
                    CRIPEMD160().Write(whash.begin(), whash.size()).Finalize(id.begin());
                    CScript witnessScript;
                    if (provider->GetCScript(id, witnessScript)) {
                        entry.pushKV("witnessScript", HexStr(witnessScript));
                    }
                }
            }
        }
        entry.pushKV("scriptPubKey", HexStr(scriptPubKey));
        entry.pushKV("amount", ValueFromAmount(out.tx->tx->vout[out.i].nValue));
        entry.pushKV("confirmations", out.nDepth);
        entry.pushKV("spendable", out.fSpendable);
        entry.pushKV("solvable", out.fSolvable);
        if (out.fSolvable) {
            std::unique_ptr<SigningProvider> provider = pwallet->GetSolvingProvider(scriptPubKey);
            if (provider) {
                auto descriptor = InferDescriptor(scriptPubKey, *provider);
                entry.pushKV("desc", descriptor->ToString());
            }
        }
        if (avoid_reuse) entry.pushKV("reused", reused);
        entry.pushKV("safe", out.fSafe);
        results.push_back(entry);
    }
    return results;
},
    };
}
void FundTransaction(CWallet* const pwallet, CMutableTransaction& tx, CAmount& fee_out, int& change_position, const UniValue& options, CCoinControl& coinControl, bool override_min_fee)