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.
{
    LOCK(cs_wallet);
    std::set<CTxDestination> result;
    for (const std::pair<CTxDestination, CAddressBookData>& item : mapAddressBook)
    {
        const CTxDestination& address = item.first;
        const std::string& strName = item.second.name;
        if (strName == strAccount)
            result.insert(address);
    }
    return result;
}
bool CReserveKey::GetReservedKey(CPubKey& pubkey, bool internal)