When `bitcoin-cli` is run, **it, not bitcoind** creates an empty `~/.bitcoin/wallets` direcctory with `~` bring home of currently running user. This is weird and leads to user confusion because it happens even in cases when `bitcoin-cli` connects to a `bitcoind` running under a different user or probably on other machine.

**Expected behavior**

`bitcoin-cli` never modifies filesystem, especially not things that the daemon should take care of.

**Actual behavior**

`bitcoin-cli creates empty directory`

**To reproduce**

0. make sure `~/.bitcoin` does **not** exist under user A
1. install `bitcoind` and run it under a user B
2. run `bitcoin-cli getblockchaininfo` under user A
3. `ls ~/.bitcoin` under user A

For quick setup, you can try to use [my project](https://deb.ln-ask.me) in a Debian VM or using provided Docker file. Just `apt install bitcoin-regtest bitcoin-cli`, it's already pre-configured to run under a different user, so then just running `sudo bitcoin-cli getblockchaininfo && sudo ls /root/.bitcoin` should reproduce the issue.

**System information**

0.20 official release downloaded from `https://bitcoin.org/bin/bitcoin-core-...`, verified GPG signature from Wladimir.

OS: Linux Debian Buster
CPU: Intel x86_64
Disk: NVMe SSD
FS: ext4

I don't think configuration is relevant since `bitcoin-cli` is **not** informed where to find it (via parameters or otherwise) and thus it can **not** access it. I also added `-rpcport` and `-rpccookiefile` parameters explicitly but I don't think it's relevant.

Loosely related to #16220, but not a duplicate.
{
    LOCK(cs_args);
    std::vector<std::pair<std::string, std::string>> options;
    if (!GetConfigOptions(stream, filepath, error, options, m_config_sections)) {
        return false;
    }
    for (const std::pair<std::string, std::string>& option : options) {
        KeyInfo key = InterpretKey(option.first);
        std::optional<unsigned int> flags = GetArgFlags('-' + key.name);
        if (!IsConfSupported(key, error)) return false;
        if (flags) {
            std::optional<util::SettingsValue> value = InterpretValue(key, &option.second, *flags, error);
            if (!value) {
                return false;
            }
            m_settings.ro_config[key.section][key.name].push_back(*value);
        } else {
            if (ignore_invalid_keys) {
                LogPrintf("Ignoring unknown configuration value %s\n", option.first);
            } else {
                error = strprintf("Invalid configuration value %s", option.first);
                return false;
            }
        }
    }
    return true;
}
bool ArgsManager::ReadConfigFiles(std::string& error, bool ignore_invalid_keys)