Built against `master` branch 801dd40666d1e6009920ad3ff755c7bb993b2a62:

If I have no wallet.dat file and run:

    bitcoind -usehd=0

A new wallet.dat file is created and an HD seed is assigned.

I see an error message in the source:

    "Error loading %s: You can't disable HD on an already existing HD wallet or create new non-HD wallets."

but that doesn't get shown because `fFirstRun` is true, and so the code which checks for `-usehd` values doesn't run.

If it's no longer possible to create non-HD wallets, specifying -usehd=0 when creating a wallet should be an error, and not get silently ignored.
std::list<COutputEntry>& listSent, CAmount& nFee, std::string& strSentAccount, const isminefilter& filter) const
{
    nFee = 0;
    listReceived.clear();
    listSent.clear();
    strSentAccount = strFromAccount;
    
    CAmount nDebit = GetDebit(filter);
    if (nDebit > 0) 
    {
        CAmount nValueOut = tx->GetValueOut();
        nFee = nDebit - nValueOut;
    }
    
    for (unsigned int i = 0; i < tx->vout.size(); ++i)
    {
        const CTxOut& txout = tx->vout[i];
        isminetype fIsMine = pwallet->IsMine(txout);
        
        
        
        if (nDebit > 0)
        {
            
            if (pwallet->IsChange(txout))