Steps to reproduce on regtest:

```
converttopsbt 02000000000101ab73dba46508bacdb49a988ddd74bc9d39c9cb7e057af060ca8c6b6861e28e3c0300000000feffffff02b828d0b20000000017a914d1954862afd728fbb055149002958e1d1b9e1f0b8700ca9a3b0000000017a91442170ccb3441cff1723af9afab6f2553103e1d578702473044022077380c6e16496d9905aef120694c329be51522847cb5d53fa74b94698c95678d02202d32c46e0e17420a83dee830fefda7d40529182f5d82be47c2b49a7b83214ab50121026d483d6628dcc3ef6e3ab9ed4937c452c263c7e0ac80eb4be97426d5da8f640500000000
```
or 
```
converttopsbt 02000000000101ab73dba46508bacdb49a988ddd74bc9d39c9cb7e057af060ca8c6b6861e28e3c0300000000feffffff02b828d0b20000000017a914d1954862afd728fbb055149002958e1d1b9e1f0b8700ca9a3b0000000017a91442170ccb3441cff1723af9afab6f2553103e1d578702473044022077380c6e16496d9905aef120694c329be51522847cb5d53fa74b94698c95678d02202d32c46e0e17420a83dee830fefda7d40529182f5d82be47c2b49a7b83214ab50121026d483d6628dcc3ef6e3ab9ed4937c452c263c7e0ac80eb4be97426d5da8f640500000000 false
```

Further reading: #13738
if (IsMine(*pwallet, dest)) {
        pwallet->SetAddressBook(dest, label, "receive");
    } else {
        pwallet->SetAddressBook(dest, label, "send");
    }
    return NullUniValue;
}
static CTransactionRef SendMoney(interfaces::Chain::Lock& locked_chain, CWallet * const pwallet, const CTxDestination &address, CAmount nValue, bool fSubtractFeeFromAmount, const CCoinControl& coin_control, mapValue_t mapValue)
{
    CAmount curBalance = pwallet->GetBalance().m_mine_trusted;
    
    if (nValue <= 0)
        throw JSONRPCError(RPC_INVALID_PARAMETER, "Invalid amount");
    if (nValue > curBalance)
        throw JSONRPCError(RPC_WALLET_INSUFFICIENT_FUNDS, "Insufficient funds");
    if (pwallet->GetBroadcastTransactions() && !pwallet->chain().p2pEnabled()) {
        throw JSONRPCError(RPC_CLIENT_P2P_DISABLED, "Error: Peer-to-peer functionality missing or disabled");
    }
    
    CScript scriptPubKey = GetScriptForDestination(address);
    
    CReserveKey reservekey(pwallet);
    CAmount nFeeRequired;
    std::string strError;
    std::vector<CRecipient> vecSend;
    int nChangePosRet = -1;
    CRecipient recipient = {scriptPubKey, nValue, fSubtractFeeFromAmount};
    vecSend.push_back(recipient);
    CTransactionRef tx;
    if (!pwallet->CreateTransaction(locked_chain, vecSend, tx, reservekey, nFeeRequired, nChangePosRet, strError, coin_control)) {