When `bitcoin-cli` is run, **it, not bitcoind** creates an empty `~/.bitcoin/wallets` direcctory with `~` bring home of currently running user. This is weird and leads to user confusion because it happens even in cases when `bitcoin-cli` connects to a `bitcoind` running under a different user or probably on other machine.

**Expected behavior**

`bitcoin-cli` never modifies filesystem, especially not things that the daemon should take care of.

**Actual behavior**

`bitcoin-cli creates empty directory`

**To reproduce**

0. make sure `~/.bitcoin` does **not** exist under user A
1. install `bitcoind` and run it under a user B
2. run `bitcoin-cli getblockchaininfo` under user A
3. `ls ~/.bitcoin` under user A

For quick setup, you can try to use [my project](https://deb.ln-ask.me) in a Debian VM or using provided Docker file. Just `apt install bitcoin-regtest bitcoin-cli`, it's already pre-configured to run under a different user, so then just running `sudo bitcoin-cli getblockchaininfo && sudo ls /root/.bitcoin` should reproduce the issue.

**System information**

0.20 official release downloaded from `https://bitcoin.org/bin/bitcoin-core-...`, verified GPG signature from Wladimir.

OS: Linux Debian Buster
CPU: Intel x86_64
Disk: NVMe SSD
FS: ext4

I don't think configuration is relevant since `bitcoin-cli` is **not** informed where to find it (via parameters or otherwise) and thus it can **not** access it. I also added `-rpcport` and `-rpccookiefile` parameters explicitly but I don't think it's relevant.

Loosely related to #16220, but not a duplicate.
{
    if (!window)
        return 0;
    return window->winId();
}
bool BitcoinApplication::event(QEvent* e)
{
    if (e->type() == QEvent::Quit) {
        requestShutdown();
        return true;
    }
    return QApplication::event(e);
}
static void SetupUIArgs(ArgsManager& argsman)
{
    argsman.AddArg("-choosedatadir", strprintf("Choose data directory on startup (default: %u)", DEFAULT_CHOOSE_DATADIR), ArgsManager::ALLOW_ANY, OptionsCategory::GUI);
    argsman.AddArg("-lang=<lang>", "Set language, for example \"de_DE\" (default: system locale)", ArgsManager::ALLOW_ANY, OptionsCategory::GUI);
    argsman.AddArg("-min", "Start minimized", ArgsManager::ALLOW_ANY, OptionsCategory::GUI);
    argsman.AddArg("-resetguisettings", "Reset all settings changed in the GUI", ArgsManager::ALLOW_ANY, OptionsCategory::GUI);
    argsman.AddArg("-splash", strprintf("Show splash screen on startup (default: %u)", DEFAULT_SPLASHSCREEN), ArgsManager::ALLOW_ANY, OptionsCategory::GUI);
    argsman.AddArg("-uiplatform", strprintf("Select platform to customize UI for (one of windows, macosx, other; default: %s)", BitcoinGUI::DEFAULT_UIPLATFORM), ArgsManager::ALLOW_ANY | ArgsManager::DEBUG_ONLY, OptionsCategory::GUI);
}
int GuiMain(int argc, char* argv[])