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.
std::set< std::set<CTxDestination> > GetAddressGroupings();
    std::map<CTxDestination, CAmount> GetAddressBalances();
    std::set<CTxDestination> GetAccountAddresses(const std::string& strAccount) const;
    isminetype IsMine(const CTxIn& txin) const;
    /**
     * Returns amount of debit if the input matches the
     * filter, otherwise returns 0
     */
    CAmount GetDebit(const CTxIn& txin, const isminefilter& filter) const;
    isminetype IsMine(const CTxOut& txout) const;
    CAmount GetCredit(const CTxOut& txout, const isminefilter& filter) const;
    bool IsChange(const CTxOut& txout) const;
    CAmount GetChange(const CTxOut& txout) const;
    bool IsMine(const CTransaction& tx) const;
    
    bool IsFromMe(const CTransaction& tx) const;
    CAmount GetDebit(const CTransaction& tx, const isminefilter& filter) const;
    
    bool IsAllFromMe(const CTransaction& tx, const isminefilter& filter) const;
    CAmount GetCredit(const CTransaction& tx, const isminefilter& filter) const;
    CAmount GetChange(const CTransaction& tx) const;
    void SetBestChain(const CBlockLocator& loc) override;
    DBErrors LoadWallet(bool& fFirstRunRet);
    DBErrors ZapWalletTx(std::vector<CWalletTx>& vWtx);
    DBErrors ZapSelectTx(std::vector<uint256>& vHashIn, std::vector<uint256>& vHashOut);
    bool SetAddressBook(const CTxDestination& address, const std::string& strName, const std::string& purpose);
    bool DelAddressBook(const CTxDestination& address);
    const std::string& GetAccountName(const CScript& scriptPubKey) const;
    void Inventory(const uint256 &hash) override