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.
{
    {
        LOCK(cs_wallet);
        std::map<uint256, CWalletTx>::const_iterator mi = mapWallet.find(txin.prevout.hash);
        if (mi != mapWallet.end())
        {
            const CWalletTx& prev = (*mi).second;
            if (txin.prevout.n < prev.tx->vout.size())
                return IsMine(prev.tx->vout[txin.prevout.n]);
        }
    }
    return ISMINE_NO;
}
CAmount CWallet::GetDebit(const CTxIn &txin, const isminefilter& filter) const
{
    {
        LOCK(cs_wallet);
        std::map<uint256, CWalletTx>::const_iterator mi = mapWallet.find(txin.prevout.hash);
        if (mi != mapWallet.end())
        {
            const CWalletTx& prev = (*mi).second;
            if (txin.prevout.n < prev.tx->vout.size())
                if (IsMine(prev.tx->vout[txin.prevout.n]) & filter)
                    return prev.tx->vout[txin.prevout.n].nValue;
        }
    }
    return 0;
}
isminetype CWallet::IsMine(const CTxOut& txout) const