Fix #13299.
Since the default nSequence is 0xFFFFFFFE and locktime is enabled, the checking wtx.is_final is meaningless until the syncing has completed (ref: #1026).
This PR makes the wallet mark a transaction “Unconfirmed” instead of misleading “Open for NNN more blocks” when syncing after a period of being offline.
Before this PR (with the issue):

With this PR (the issue has been resolved):
