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In my (unpublished) [code changes](https://github.com/brakmic/bitcoin/commit/0b3ee615491edf6f542631bf6ae6f72eac406550) all raw pointers got replaced with **shared_ptr**s but kept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,
subtractFeeFromOutputs = (options.exists("subtract_fee_from_outputs") ? options["subtract_fee_from_outputs"] : options["subtractFeeFromOutputs"]).get_array();
        if (options.exists("replaceable")) {
            coinControl.m_signal_bip125_rbf = options["replaceable"].get_bool();
        }
        SetFeeEstimateMode(*pwallet, coinControl, options["conf_target"], options["estimate_mode"], options["fee_rate"], override_min_fee);
      }
    } else {
        
        coinControl.fAllowWatchOnly = ParseIncludeWatchonly(NullUniValue, *pwallet);
    }
    if (tx.vout.size() == 0)
        throw JSONRPCError(RPC_INVALID_PARAMETER, "TX must have at least one output");
    if (change_position != -1 && (change_position < 0 || (unsigned int)change_position > tx.vout.size()))
        throw JSONRPCError(RPC_INVALID_PARAMETER, "changePosition out of bounds");
    for (unsigned int idx = 0; idx < subtractFeeFromOutputs.size(); idx++) {
        int pos = subtractFeeFromOutputs[idx].get_int();
        if (setSubtractFeeFromOutputs.count(pos))
            throw JSONRPCError(RPC_INVALID_PARAMETER, strprintf("Invalid parameter, duplicated position: %d", pos));
        if (pos < 0)
            throw JSONRPCError(RPC_INVALID_PARAMETER, strprintf("Invalid parameter, negative position: %d", pos));
        if (pos >= int(tx.vout.size()))
            throw JSONRPCError(RPC_INVALID_PARAMETER, strprintf("Invalid parameter, position too large: %d", pos));
        setSubtractFeeFromOutputs.insert(pos);
    }
    bilingual_str error;
    if (!pwallet->FundTransaction(tx, fee_out, change_position, error, lockUnspents, setSubtractFeeFromOutputs, coinControl)) {
        throw JSONRPCError(RPC_WALLET_ERROR, error.original);
    }
}
static RPCHelpMan fundrawtransaction()