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.
{
public:
    std::string strAccount;
    CAmount nCreditDebit;
    int64_t nTime;
    std::string strOtherAccount;
    std::string strComment;
    mapValue_t mapValue;
    int64_t nOrderPos; 
    uint64_t nEntryNo;
    CAccountingEntry()
    {
        SetNull();
    }
    void SetNull()
    {
        nCreditDebit = 0;
        nTime = 0;
        strAccount.clear();
        strOtherAccount.clear();
        strComment.clear();
        nOrderPos = -1;
        nEntryNo = 0;
    }
    ADD_SERIALIZE_METHODS;
    template <typename Stream, typename Operation>
    inline void SerializationOp(Stream& s, Operation ser_action) {