### Is there an existing issue for this?

- [X] I have searched the existing issues

### Current behaviour

I randomly encountered this by loading a wallet created from master with an older version. I could trace it down to bd13dc2f46ea10302a928fcf0f53b7aed77ad260 (#26076), but I don't know descriptor wallets enough to understand what's going on (cc @Sjors @achow101).

### Expected behaviour

`bitcoind` starts, or at least tells me to use a later version if #26076 was a breaking change instead of corrupting `wallet.dat`.

### Steps to reproduce

(master, clean chain): 
`createwallet -regtest ""`
(v25.0rc2):
first `bitcoind -regtest` succeeds
then stop and restart the node: The second `bitcoind -regtest` leads to an InitError:
`Error: Error: Unable to expand wallet descriptor from cache`
now, the wallet cannot be loaded by either version.

### Relevant log output

_No response_

### How did you obtain Bitcoin Core

Compiled from source

### What version of Bitcoin Core are you using?

v25.0rc2 / master

### Operating system and version

Ubuntu

### Machine specifications

_No response_
{
    static std::atomic<bool> fOneThread(false);
    if (fOneThread.exchange(true)) {
        return;
    }
    for (const std::shared_ptr<CWallet>& pwallet : GetWallets(context)) {
        WalletDatabase& dbh = pwallet->GetDatabase();
        unsigned int nUpdateCounter = dbh.nUpdateCounter;
        if (dbh.nLastSeen != nUpdateCounter) {
            dbh.nLastSeen = nUpdateCounter;
            dbh.nLastWalletUpdate = GetTime();
        }
        if (dbh.nLastFlushed != nUpdateCounter && GetTime() - dbh.nLastWalletUpdate >= 2) {
            if (dbh.PeriodicFlush()) {
                dbh.nLastFlushed = nUpdateCounter;
            }
        }
    }
    fOneThread = false;
}
bool WalletBatch::WriteAddressPreviouslySpent(const CTxDestination& dest, bool previously_spent)
{
    auto key{std::make_pair(DBKeys::DESTDATA, std::make_pair(EncodeDestination(dest), std::string("used")))};
    return previously_spent ? WriteIC(key, std::string("1")) : EraseIC(key);
}
bool WalletBatch::WriteAddressReceiveRequest(const CTxDestination& dest, const std::string& id, const std::string& receive_request)
{
    return WriteIC(std::make_pair(DBKeys::DESTDATA, std::make_pair(EncodeDestination(dest), "rr" + id)), receive_request);
}
bool WalletBatch::EraseAddressReceiveRequest(const CTxDestination& dest, const std::string& id)