### 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_
{
    LOCK(cs_KeyStore);
    UpdateTimeFirstKey(meta.nCreateTime);
    m_script_metadata[script_id] = meta;
}
bool LegacyScriptPubKeyMan::AddKeyPubKeyInner(const CKey& key, const CPubKey &pubkey)
{
    LOCK(cs_KeyStore);
    if (!m_storage.HasEncryptionKeys()) {
        return FillableSigningProvider::AddKeyPubKey(key, pubkey);
    }
    if (m_storage.IsLocked()) {
        return false;
    }
    std::vector<unsigned char> vchCryptedSecret;
    CKeyingMaterial vchSecret(key.begin(), key.end());
    if (!EncryptSecret(m_storage.GetEncryptionKey(), vchSecret, pubkey.GetHash(), vchCryptedSecret)) {
        return false;
    }
    if (!AddCryptedKey(pubkey, vchCryptedSecret)) {
        return false;
    }
    return true;
}
bool LegacyScriptPubKeyMan::LoadCryptedKey(const CPubKey &vchPubKey, const std::vector<unsigned char> &vchCryptedSecret, bool checksum_valid)