Steps to reproduce:

```
$ ./src/bitcoin-wallet -datadir=/tmp  info  -wallet=asdf
Wallet info
===========
Name: 
Format: bdb
Descriptors: no
Encrypted: no
HD (hd seed available): yes
Keypool Size: 2000
Transactions: 0
Address Book: 0
```

(See the mismatching wallet name!)

Compare to:

```
$ ./src/bitcoin-wallet -datadir=/tmp  -wallet=asdf info
Wallet info
===========
Name: asdf
Format: bdb
Descriptors: no
Encrypted: no
HD (hd seed available): yes
Keypool Size: 2000
Transactions: 0
Address Book: 0

assert(util::SettingsSpan(*includes).last_negated());
                use_conf_file = false;
            }
        }
        if (use_conf_file) {
            std::string chain_id = GetChainName();
            std::vector<std::string> conf_file_names;
            auto add_includes = [&](const std::string& network, size_t skip = 0) {
                size_t num_values = 0;
                LOCK(cs_args);
                if (auto* section = util::FindKey(m_settings.ro_config, network)) {
                    if (auto* values = util::FindKey(*section, "includeconf")) {
                        for (size_t i = std::max(skip, util::SettingsSpan(*values).negated()); i < values->size(); ++i) {
                            conf_file_names.push_back((*values)[i].get_str());
                        }
                        num_values = values->size();
                    }
                }
                return num_values;
            };
            
            
            const size_t chain_includes = add_includes(chain_id);
            const size_t default_includes = add_includes({});
            for (const std::string& conf_file_name : conf_file_names) {
                fsbridge::ifstream conf_file_stream(GetConfigFile(conf_file_name));
                if (conf_file_stream.good()) {
                    if (!ReadConfigStream(conf_file_stream, conf_file_name, error, ignore_invalid_keys)) {
                        return false;