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.
}
                }
                const CAmount nChange = nValueIn - nValueToSelect;
                if (nChange > 0)
                {
                    
                    CTxOut newTxOut(nChange, scriptChange);
                    
                    
                    if (IsDust(newTxOut, discard_rate))
                    {
                        nChangePosInOut = -1;
                        nFeeRet += nChange;
                    }
                    else
                    {
                        if (nChangePosInOut == -1)
                        {
                            
                            nChangePosInOut = GetRandInt(txNew.vout.size()+1);
                        }
                        else if ((unsigned int)nChangePosInOut > txNew.vout.size())
                        {
                            strFailReason = _("Change index out of range");
                            return false;
                        }
                        std::vector<CTxOut>::iterator position = txNew.vout.begin()+nChangePosInOut;
                        txNew.vout.insert(position, newTxOut);
                    }
                } else {