<!-- Describe the issue -->

When trying to sign a transaction in a encrypted wallet that is locked, version 0.16 would return the following error:

```"Please enter the wallet passphrase with walletpassphrase first."```

While doing exactly the same procedure against 0.17, the response is something like:

```json
"hex": "020000000183ac9cc1137c444f32356fb070ecba194c87a05e43674c06a55f5b1d0561eabc0000000000ffffffff0180626a94000000001600141875aa6ab19c2551c11759cf3e9f4dd7aa40bcf500000000",
       "complete": false,
       "errors": [
         {
           "txid": "bcea61051d5b5fa5064c67435ea0874c19baec70b06f35324f447c13c19cac83",
           "vout": 0,
           "witness": [
           ],
           "scriptSig": "",
           "sequence": 4294967295,
           "error": "Unable to sign input, invalid stack size (possibly missing key)"
         }
     ]

```

<!--- What behavior did you expect? -->

v0.17 should check if the wallet is locked before trying to sign the tx and return the same error as v0.16 for consistency reasons.
"  \"psbt\": \"value\",        (string)  The resulting raw transaction (base64-encoded string)\n"
                            "  \"fee\":       n,         (numeric) Fee in " + CURRENCY_UNIT + " the resulting transaction pays\n"
                            "  \"changepos\": n          (numeric) The position of the added change output, or -1\n"
                            "}\n"
                            "\nExamples:\n"
                            "\nCreate a transaction with no inputs\n"
                            + HelpExampleCli("walletcreatefundedpsbt", "\"[{\\\"txid\\\":\\\"myid\\\",\\\"vout\\\":0}]\" \"[{\\\"data\\\":\\\"00010203\\\"}]\"")
                            );
    RPCTypeCheck(request.params, {
        UniValue::VARR,
        UniValueType(), 
        UniValue::VNUM,
        UniValue::VOBJ,
        UniValue::VBOOL
        }, true
    );
    CAmount fee;
    int change_position;
    CMutableTransaction rawTx = ConstructTransaction(request.params[0], request.params[1], request.params[2], request.params[3]["replaceable"]);
    FundTransaction(pwallet, rawTx, fee, change_position, request.params[3]);
    
    PartiallySignedTransaction psbtx;
    psbtx.tx = rawTx;
    for (unsigned int i = 0; i < rawTx.vin.size(); ++i) {
        psbtx.inputs.push_back(PSBTInput());
    }
    for (unsigned int i = 0; i < rawTx.vout.size(); ++i) {
        psbtx.outputs.push_back(PSBTOutput());
    }