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In my (unpublished) [code changes](https://github.com/brakmic/bitcoin/commit/0b3ee615491edf6f542631bf6ae6f72eac406550) all raw pointers got replaced with **shared_ptr**s but kept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,
{
                        {RPCResult::Type::STR, "address", "The value of the new multisig address"},
                        {RPCResult::Type::STR_HEX, "redeemScript", "The string value of the hex-encoded redemption script"},
                        {RPCResult::Type::STR, "descriptor", "The descriptor for this multisig"},
                    }
                },
                RPCExamples{
            "\nAdd a multisig address from 2 addresses\n"
            + HelpExampleCli("addmultisigaddress", "2 \"[\\\"" + EXAMPLE_ADDRESS[0] + "\\\",\\\"" + EXAMPLE_ADDRESS[1] + "\\\"]\"") +
            "\nAs a JSON-RPC call\n"
            + HelpExampleRpc("addmultisigaddress", "2, \"[\\\"" + EXAMPLE_ADDRESS[0] + "\\\",\\\"" + EXAMPLE_ADDRESS[1] + "\\\"]\"")
                },
        [&](const RPCHelpMan& self, const JSONRPCRequest& request) -> UniValue
{
    std::shared_ptr<CWallet> const wallet = GetWalletForJSONRPCRequest(request);
    if (!wallet) return NullUniValue;
    CWallet* const pwallet = wallet.get();
    LegacyScriptPubKeyMan& spk_man = EnsureLegacyScriptPubKeyMan(*pwallet);
    LOCK2(pwallet->cs_wallet, spk_man.cs_KeyStore);
    std::string label;
    if (!request.params[2].isNull())
        label = LabelFromValue(request.params[2]);
    int required = request.params[0].get_int();
    
    const UniValue& keys_or_addrs = request.params[1].get_array();
    std::vector<CPubKey> pubkeys;
    for (unsigned int i = 0; i < keys_or_addrs.size(); ++i) {
        if (IsHex(keys_or_addrs[i].get_str()) && (keys_or_addrs[i].get_str().length() == 66 || keys_or_addrs[i].get_str().length() == 130)) {
            pubkeys.push_back(HexToPubKey(keys_or_addrs[i].get_str()));
        } else {