When a large cluster of unconfirmed transactions exceeds the limit,
calculateCombinedBumpFee() returns std::nullopt.
Previously, we continued executing and the optional value was
accessed unconditionally, leading to a std::bad_optional_access
exception (https://en.cppreference.com/w/cpp/utility/optional/value.html).
Fix this by returning early when the bumped fee is null.
Note:
This is a crash for the GUI, and an uncaught exception for the RPC
bumpfee and psbtbumpfee.