### 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_
const std::vector<std::vector<std::string>>& scripts, const std::optional<OutputType>& type,
           const std::set<std::vector<uint32_t>>& paths = ONLY_EMPTY, uint32_t spender_nlocktime=0,
           uint32_t spender_nsequence=CTxIn::SEQUENCE_FINAL, std::map<std::vector<uint8_t>, std::vector<uint8_t>> preimages={})
{
    
    DoCheck(prv, pub, norm_pub, flags, scripts, type, paths, false,
            false, spender_nlocktime,
            spender_nsequence, preimages);
    
    if (prv.find('\'') != std::string::npos && pub.find('\'') != std::string::npos) {
        DoCheck(prv, pub, norm_pub, flags, scripts, type, paths, true,
                true, spender_nlocktime,
                spender_nsequence, preimages);
    }
}
}
BOOST_FIXTURE_TEST_SUITE(descriptor_tests, BasicTestingSetup)
BOOST_AUTO_TEST_CASE(descriptor_test)