Bitcoin Core v0.21.1

`bitcoin-cli walletprocesspsbt` does not trigger a `wallet locked please enter passphrase` warning when using a wallet which holds private keys. To be clear I am experiencing this behavior when using the `default` wallet created by core.

The expected behavior would be to remind the user they are dealing with an encrypted wallet, since `walletprocesspsbt` attempts to access private keys to sign the psbt. It would be useful if a warning were present in the rpc response to remind the user they are dealing with an encrypted wallet. 
if (rbfState == RBFTransactionState::UNKNOWN)
            rbfStatus = "unknown";
        else if (rbfState == RBFTransactionState::REPLACEABLE_BIP125)
            rbfStatus = "yes";
    }
    entry.pushKV("bip125-replaceable", rbfStatus);
    for (const std::pair<const std::string, std::string>& item : wtx.mapValue)
        entry.pushKV(item.first, item.second);
}
static std::string LabelFromValue(const UniValue& value)
{
    std::string label = value.get_str();
    if (label == "*")
        throw JSONRPCError(RPC_WALLET_INVALID_LABEL_NAME, "Invalid label name");
    return label;
}
/**
 * Update coin control with fee estimation based on the given parameters
 *
 * @param[in]     wallet            Wallet reference
 * @param[in,out] cc                Coin control to be updated
 * @param[in]     conf_target       UniValue integer; confirmation target in blocks, values between 1 and 1008 are valid per policy/fees.h;
 * @param[in]     estimate_mode     UniValue string; fee estimation mode, valid values are "unset", "economical" or "conservative";
 * @param[in]     fee_rate          UniValue real; fee rate in sat/vB;
 *                                      if present, both conf_target and estimate_mode must either be null, or "unset"
 * @param[in]     override_min_fee  bool; whether to set fOverrideFeeRate to true to disable minimum fee rate checks and instead
 *                                      verify only that fee_rate is greater than 0
 * @throws a JSONRPCError if conf_target, estimate_mode, or fee_rate contain invalid values or are in conflict
 */
static void SetFeeEstimateMode(const CWallet& wallet, CCoinControl& cc, const UniValue& conf_target, const UniValue& estimate_mode, const UniValue& fee_rate, bool override_min_fee)