Returning the value of an `optional<T&>` parameter from a function triggers incorrect `-Wreturn-stack-address`

```c++
#include

int& test(std::optional optional) {
return *optional;
}

int main() {
int value = 42;
return test(value);
}
```

The bug happens with version 22. It works fine on trunk.

[Link to compiler explorer](https://compiler-explorer.com/z/nh3Y9aaaj)

Start by reproducing the C++ snippet in Compiler Explorer with version 22 and trunk, comparing the -Wreturn-stack-address diagnostics. Trace the compiler warning path for returning *optional and verify that the valid reference return no longer triggers the incorrect warning, matching trunk behavior.

Written by the indexing model from the issue text.