A user reported to me that they are unable to create a PSBT with a legacy watchonly wallet when they use the GUI. They get an error "The amount exceeds your balance".

I think the issue is that the GUI will retrieve the wallet's balance via `AvailableCoins` before calling `CreateTransaction`. This call to `AvailableCoins` is resulting in fewer coins being returned with recent changes to how `AvailableCoins` works, particularly with additional filtering of spendable coins and preset coins.

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Note that this does not effect descriptor wallets. A workaround for this issue is to switch to using descriptor wallets. An existing legacy wallet can be turned into a descriptor wallet using the `migratewallet` RPC. However many watchonly legacy wallets are likely the result of importing descriptors via `importmulti`. For such wallets, I recommend creating a new descriptor wallet and re-importing the descriptors.
#include <wallet/wallet.h>
#include <future>
#include <memory>
#include <stdint.h>
#include <vector>
#include <interfaces/chain.h>
#include <key_io.h>
#include <node/blockstorage.h>
#include <policy/policy.h>
#include <rpc/server.h>
#include <test/util/logging.h>
#include <test/util/setup_common.h>
#include <util/translation.h>
#include <validation.h>