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);
    
    
    
    CHDChain newHdChain;
    newHdChain.nVersion = CanSupportFeature(FEATURE_HD_SPLIT) ? CHDChain::VERSION_HD_CHAIN_SPLIT : CHDChain::VERSION_HD_BASE;
    newHdChain.masterKeyID = pubkey.GetID();
    SetHDChain(newHdChain, false);
    return true;
}
bool CWallet::SetHDChain(const CHDChain& chain, bool memonly)