### 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_
{
        if (sigversion != IsMineSigVersion::TOP) {
            
            return IsMineResult::INVALID;
        }
        CScriptID scriptID = CScriptID(uint160(vSolutions[0]));
        CScript subscript;
        if (keystore.GetCScript(scriptID, subscript)) {
            ret = std::max(ret, recurse_scripthash ? IsMineInner(keystore, subscript, IsMineSigVersion::P2SH) : IsMineResult::SPENDABLE);
        }
        break;
    }
    case TxoutType::WITNESS_V0_SCRIPTHASH:
    {
        if (sigversion == IsMineSigVersion::WITNESS_V0) {
            
            return IsMineResult::INVALID;
        }
        if (sigversion == IsMineSigVersion::TOP && !keystore.HaveCScript(CScriptID(CScript() << OP_0 << vSolutions[0]))) {
            break;
        }
        CScriptID scriptID{RIPEMD160(vSolutions[0])};
        CScript subscript;
        if (keystore.GetCScript(scriptID, subscript)) {
            ret = std::max(ret, recurse_scripthash ? IsMineInner(keystore, subscript, IsMineSigVersion::WITNESS_V0) : IsMineResult::SPENDABLE);
        }
        break;
    }
    case TxoutType::MULTISIG:
    {