Allow RBF without saved PSBT #2782

Job	Run time
linter	2m 34s
linter	2m 34s
unit_tests (1.80.0, ubuntu-latest)	5m 30s
unit_tests (1.80.0, ubuntu-latest)	5m 30s
unit_tests (1.80.0, macOS-latest)	5m 7s
unit_tests (1.80.0, macOS-latest)	5m 7s
unit_tests (1.80.0, windows-latest)	12m 11s
unit_tests (1.80.0, windows-latest)	12m 11s
unit_tests (nightly, ubuntu-latest)	6m 4s
unit_tests (nightly, ubuntu-latest)	6m 4s
unit_tests (nightly, macOS-latest)	3h 9m 13s
unit_tests (nightly, macOS-latest)	5m 20s
unit_tests (nightly, windows-latest)	10m 34s
unit_tests (nightly, windows-latest)	10m 34s
	4h 38m 33s

Provide feedback