Is there an existing issue for this?

• I have searched the existing issues

Current behaviour

Trying to increase the fee on a pending transaction, creating a psbt is asking for the passphrase, though it shouldn't need to unlock the wallet to create a psbt (and didn't require when creating the initial transaction).

Expected behaviour

Create the psbt without the need for unlocking the wallet

Steps to reproduce

Locked wallet
Set PSBT actions to enabled in settings
create a transaction with a fee increase replacement option and send it
raise the fee
Choose create PSBT
Get prompt for wallet unlock

Relevant log output

No response

How did you obtain Bitcoin Core

Package manager

What version of Bitcoin Core are you using?

26.0.0.0

Operating system and version

Ubuntu 22.04

Machine specifications

No response