`bitcoind` and `bitcoin-qt` crashes when creating a PSBT with `walletcreatefundedpsbt`

**Expected behavior**

`bitcoind` and `bitcoin-qt` should not crash and users should not see assertion errors on mainnet. Failing gracefully with some error message would be better. Although I was not able to reproduce this issue on Fedora so ideally this should be fixed.

**Actual behavior**

Error in bitcoind:

```
Assertion failed: selected_effective_value >= target, file wallet/coinselection.cpp, line 391
```

Error in bitcoin-qt:

![image](https://user-images.githubusercontent.com/94559964/192375828-d8e6f628-f52c-4aa8-ae99-19c2fe1a4934.png)


**To reproduce**

1. Create bitcoin.conf 

```
signet=1
txindex=1

signet.rpcport=38332
rpcuser=user
rpcpassword=pass

fallbackfee=0.0004
```

2. Add descriptor in a wallet using bitcoin-qt console:


```
importmulti '[{ "desc": "sh(multi(2,[aa130fed]02de62833c851509cf13c0c63e0dc3ef7b74f7d86b17e9090fab68c09830cb2f2e,[00890d8d]03cf11a2bc1371dad3691bce59e37d85b12aae6b030b533d4e7c5aedeb47a5ec0e))#j8w6g6zg", "timestamp":"now"}]'
```

3. Create PSBT using bitcoin-qt, click on different options in the error message and you will notice it creates PSBT with no change by clicking 'ignore' 3 times else crashes with others:

```
walletcreatefundedpsbt "[{\"txid\":\"e911734bf711009dd6057c88bc598df2d31c18d1cc6bd6c790a704b519d77e68\",\"vout\":0}]" "[{\"tb1q9fxp2p0sm93jdlul8v3svzn7x69zcd9ljsgans\":\"0.0009\"}]"

```

4. Close bitcoin-qt and open powershell or command prompt to create PSBT:

```
bitcoind.exe
````

```
bitcoin-cli.exe -rpcwallet=M1 walletcreatefundedpsbt "[{\"txid\":\"e911734bf711009dd6057c88bc598df2d31c18d1cc6bd6c790a704b519d77e68\",\"vout\":0}]" "[{\"tb1q9fxp2p0sm93jdlul8v3svzn7x69zcd9ljsgans\":\"0.0009\"}]"
```

**System information**

Windows 10

Bitcoin Core Master Branch


std::optional<SelectionResult> result = SelectCoins(wallet, available_coins, selection_target, coin_control, coin_selection_params);
    if (!result) {
        return util::Error{_("Insufficient funds")};
    }
    TRACE5(coin_selection, selected_coins, wallet.GetName().c_str(), GetAlgorithmName(result->GetAlgo()).c_str(), result->GetTarget(), result->GetWaste(), result->GetSelectedValue());
    const CAmount change_amount = result->GetChange(coin_selection_params.min_viable_change, coin_selection_params.m_change_fee);
    if (change_amount > 0) {
        CTxOut newTxOut(change_amount, scriptChange);
        if (nChangePosInOut == -1) {
            
            nChangePosInOut = rng_fast.randrange(txNew.vout.size() + 1);
        } else if ((unsigned int)nChangePosInOut > txNew.vout.size()) {
            return util::Error{_("Transaction change output index out of range")};
        }
        txNew.vout.insert(txNew.vout.begin() + nChangePosInOut, newTxOut);
    } else {
        nChangePosInOut = -1;
    }
    
    std::vector<COutput> selected_coins = result->GetShuffledInputVector();
    
    
    
    
    
    
    
    
    const uint32_t nSequence{coin_control.m_signal_bip125_rbf.value_or(wallet.m_signal_rbf) ? MAX_BIP125_RBF_SEQUENCE : CTxIn::MAX_SEQUENCE_NONFINAL};
    for (const auto& coin : selected_coins) {