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In my (unpublished) [code changes](https://github.com/brakmic/bitcoin/commit/0b3ee615491edf6f542631bf6ae6f72eac406550) all raw pointers got replaced with **shared_ptr**s but kept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,
std::shared_ptr<CWallet> const wallet = GetWalletForJSONRPCRequest(request);
    if (!wallet) return NullUniValue;
    const CWallet* const pwallet = wallet.get();
    RPCTypeCheck(request.params, {UniValue::VSTR, UniValue::VBOOL, UniValue::VSTR});
    
    PartiallySignedTransaction psbtx;
    std::string error;
    if (!DecodeBase64PSBT(psbtx, request.params[0].get_str(), error)) {
        throw JSONRPCError(RPC_DESERIALIZATION_ERROR, strprintf("TX decode failed %s", error));
    }
    
    int nHashType = ParseSighashString(request.params[2]);
    
    bool sign = request.params[1].isNull() ? true : request.params[1].get_bool();
    bool bip32derivs = request.params[3].isNull() ? true : request.params[3].get_bool();
    bool complete = true;
    const TransactionError err = pwallet->FillPSBT(psbtx, complete, nHashType, sign, bip32derivs);
    if (err != TransactionError::OK) {
        throw JSONRPCTransactionError(err);
    }
    UniValue result(UniValue::VOBJ);
    CDataStream ssTx(SER_NETWORK, PROTOCOL_VERSION);
    ssTx << psbtx;
    result.pushKV("psbt", EncodeBase64(ssTx.str()));
    result.pushKV("complete", complete);
    return result;
},
    };
}
static RPCHelpMan walletcreatefundedpsbt()