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.
{
    vCoins.clear();
    {
        LOCK2(cs_main, cs_wallet);
        CAmount nTotal = 0;
        for (std::map<uint256, CWalletTx>::const_iterator it = mapWallet.begin(); it != mapWallet.end(); ++it)
        {
            const uint256& wtxid = it->first;
            const CWalletTx* pcoin = &(*it).second;
            if (!CheckFinalTx(*pcoin))
                continue;
            if (pcoin->IsCoinBase() && pcoin->GetBlocksToMaturity() > 0)
                continue;
            int nDepth = pcoin->GetDepthInMainChain();
            if (nDepth < 0)
                continue;
            
            
            if (nDepth == 0 && !pcoin->InMempool())
                continue;
            bool safeTx = pcoin->IsTrusted();