Merge bitcoin/bitcoin#25610: wallet, rpc: Opt in to RBF by default

ab3c06db1aed979847158505f3df1dcea9fd6c2b doc: Release notes for default RBF (Andrew Chow)
61d9149e7804e2cec8fecf4150837344322eb301 rpc: Default rbf enabled (Andrew Chow)
e3c33637bac7db8ae56ab497df10911fad773981 wallet: Enable -walletrbf by default (Andrew Chow)

Pull request description:

  The GUI currently opts in to RBF by default, but RPCs do not, and `-walletrbf` is default disabled. This PR makes the default in those two places to also opt in.

  The last time this was proposed (#9527), the primary objections were the novelty at the time, the inability to bump transactions, and the gui not having the option to disable rbf. In the 5 years since, RBF usage has steadily grown, with ~27% of txs opting in. The GUI has the option to enable/disable RBF, and is also defaulted to having it enabled. And we have the ability to bump RBF'd transactions in both the RPC and the GUI. So I think it makes sense to finally change the default to always opt in to RBF.

ACKs for top commit:
  darosior:
    reACK ab3c06db1aed979847158505f3df1dcea9fd6c2b
  aureleoules:
    ACK ab3c06db1aed979847158505f3df1dcea9fd6c2b.
  glozow:
    utACK ab3c06db1a

Tree-SHA512: 81b012c5033e270f86a87a6a196ccc549eb54b158eebf88e917cc6621d40d7bdcd1566b602688907dd5d364b95a557b29f97dce869cea512e339588262c027b6

1 files changed, 3 insertions, 3 deletions

diff --git a/src/rpc/rawtransaction.cpp b/src/rpc/rawtransaction.cpp
index 9ec506b0fb..7ffb499330 100644
--- a/src/rpc/rawtransaction.cpp
+++ b/src/rpc/rawtransaction.cpp
@@ -157,7 +157,7 @@ static std::vector<RPCArg> CreateTxDoc()
             },
         },
         {"locktime", RPCArg::Type::NUM, RPCArg::Default{0}, "Raw locktime. Non-0 value also locktime-activates inputs"},
-        {"replaceable", RPCArg::Type::BOOL, RPCArg::Default{false}, "Marks this transaction as BIP125-replaceable.\n"
+        {"replaceable", RPCArg::Type::BOOL, RPCArg::Default{true}, "Marks this transaction as BIP125-replaceable.\n"
                 "Allows this transaction to be replaced by a transaction with higher fees. If provided, it is an error if explicit sequence numbers are incompatible."},
     };
 }
@@ -302,7 +302,7 @@ static RPCHelpMan createrawtransaction()
         }, true
     );
 
-    bool rbf = false;
+    std::optional<bool> rbf;
     if (!request.params[3].isNull()) {
         rbf = request.params[3].isTrue();
     }
@@ -1451,7 +1451,7 @@ static RPCHelpMan createpsbt()
         }, true
     );
 
-    bool rbf = false;
+    std::optional<bool> rbf;
     if (!request.params[3].isNull()) {
         rbf = request.params[3].isTrue();
     }