When the user doesn’t specificy inputs, it makes sense to automatically select them. But when the user does specify inputs, walletcreatefundedpsbt now fails if the amount is insufficient, unless addInputs is set to true.
Similarly for fundrawtransaction if the original transaction already specified inputs, we only add more if addInputs is set to true.
This protects against fat finger mistakes in the amount or fee rate (see also #16257). The behavior is also more similar to GUI coin selection.