A user reported to me that they are unable to create a PSBT with a legacy watchonly wallet when they use the GUI. They get an error "The amount exceeds your balance".

I think the issue is that the GUI will retrieve the wallet's balance via `AvailableCoins` before calling `CreateTransaction`. This call to `AvailableCoins` is resulting in fewer coins being returned with recent changes to how `AvailableCoins` works, particularly with additional filtering of spendable coins and preset coins.

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Note that this does not effect descriptor wallets. A workaround for this issue is to switch to using descriptor wallets. An existing legacy wallet can be turned into a descriptor wallet using the `migratewallet` RPC. However many watchonly legacy wallets are likely the result of importing descriptors via `importmulti`. For such wallets, I recommend creating a new descriptor wallet and re-importing the descriptors.
{
        DatabaseStatus status;
        bilingual_str error;
        std::unique_ptr<Wallet> wallet{MakeWallet(m_context, RestoreWallet(m_context, backup_file, wallet_name, true, status, error, warnings))};
        if (wallet) {
            return {std::move(wallet)};
        } else {
            return util::Error{error};
        }
    }
    std::string getWalletDir() override
    {
        return fs::PathToString(GetWalletDir());
    }
    std::vector<std::string> listWalletDir() override
    {
        std::vector<std::string> paths;
        for (auto& path : ListDatabases(GetWalletDir())) {
            paths.push_back(fs::PathToString(path));
        }
        return paths;
    }
    std::vector<std::unique_ptr<Wallet>> getWallets() override