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.
txout.nValue -= nFeeRet / nSubtractFeeFromAmount; 
                        if (fFirst) 
                        {
                            fFirst = false;
                            txout.nValue -= nFeeRet % nSubtractFeeFromAmount;
                        }
                    }
                    if (IsDust(txout, ::dustRelayFee))
                    {
                        if (recipient.fSubtractFeeFromAmount && nFeeRet > 0)
                        {
                            if (txout.nValue < 0)
                                strFailReason = _("The transaction amount is too small to pay the fee");
                            else
                                strFailReason = _("The transaction amount is too small to send after the fee has been deducted");
                        }
                        else
                            strFailReason = _("Transaction amount too small");
                        return false;
                    }
                    txNew.vout.push_back(txout);
                }
                
                if (pick_new_inputs) {
                    nValueIn = 0;
                    setCoins.clear();
                    if (!SelectCoins(vAvailableCoins, nValueToSelect, setCoins, nValueIn, &coin_control))
                    {
                        strFailReason = _("Insufficient funds");
                        return false;