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.
{
    AssertLockHeld(cs_wallet); 
    
    CTransaction txNewConst(tx);
    int nIn = 0;
    for (const auto& input : tx.vin) {
        std::map<uint256, CWalletTx>::const_iterator mi = mapWallet.find(input.prevout.hash);
        if(mi == mapWallet.end() || input.prevout.n >= mi->second.tx->vout.size()) {
            return false;
        }
        const CScript& scriptPubKey = mi->second.tx->vout[input.prevout.n].scriptPubKey;
        const CAmount& amount = mi->second.tx->vout[input.prevout.n].nValue;
        SignatureData sigdata;
        if (!ProduceSignature(TransactionSignatureCreator(this, &txNewConst, nIn, amount, SIGHASH_ALL), scriptPubKey, sigdata)) {
            return false;
        }
        UpdateTransaction(tx, nIn, sigdata);
        nIn++;
    }
    return true;
}
bool CWallet::FundTransaction(CMutableTransaction& tx, CAmount& nFeeRet, int& nChangePosInOut, std::string& strFailReason, bool lockUnspents, const std::set<int>& setSubtractFeeFromOutputs, CCoinControl coinControl)