### Is there an existing issue for this?

- [X] I have searched the existing issues

### Current behaviour

I randomly encountered this by loading a wallet created from master with an older version. I could trace it down to bd13dc2f46ea10302a928fcf0f53b7aed77ad260 (#26076), but I don't know descriptor wallets enough to understand what's going on (cc @Sjors @achow101).

### Expected behaviour

`bitcoind` starts, or at least tells me to use a later version if #26076 was a breaking change instead of corrupting `wallet.dat`.

### Steps to reproduce

(master, clean chain): 
`createwallet -regtest ""`
(v25.0rc2):
first `bitcoind -regtest` succeeds
then stop and restart the node: The second `bitcoind -regtest` leads to an InitError:
`Error: Error: Unable to expand wallet descriptor from cache`
now, the wallet cannot be loaded by either version.

### Relevant log output

_No response_

### How did you obtain Bitcoin Core

Compiled from source

### What version of Bitcoin Core are you using?

v25.0rc2 / master

### Operating system and version

Ubuntu

### Machine specifications

_No response_
uint160 hash(data[0]);
        CKeyID keyid(hash);
        CPubKey pubkey;
        if (provider.GetPubKey(keyid, pubkey)) {
            return std::make_unique<WPKHDescriptor>(InferPubkey(pubkey, ctx, provider));
        }
    }
    if (txntype == TxoutType::MULTISIG && (ctx == ParseScriptContext::TOP || ctx == ParseScriptContext::P2SH || ctx == ParseScriptContext::P2WSH)) {
        std::vector<std::unique_ptr<PubkeyProvider>> providers;
        for (size_t i = 1; i + 1 < data.size(); ++i) {
            CPubKey pubkey(data[i]);
            providers.push_back(InferPubkey(pubkey, ctx, provider));
        }
        return std::make_unique<MultisigDescriptor>((int)data[0][0], std::move(providers));
    }
    if (txntype == TxoutType::SCRIPTHASH && ctx == ParseScriptContext::TOP) {
        uint160 hash(data[0]);
        CScriptID scriptid(hash);
        CScript subscript;
        if (provider.GetCScript(scriptid, subscript)) {
            auto sub = InferScript(subscript, ParseScriptContext::P2SH, provider);
            if (sub) return std::make_unique<SHDescriptor>(std::move(sub));
        }
    }
    if (txntype == TxoutType::WITNESS_V0_SCRIPTHASH && (ctx == ParseScriptContext::TOP || ctx == ParseScriptContext::P2SH)) {
        CScriptID scriptid{RIPEMD160(data[0])};
        CScript subscript;
        if (provider.GetCScript(scriptid, subscript)) {
            auto sub = InferScript(subscript, ParseScriptContext::P2WSH, provider);
            if (sub) return std::make_unique<WSHDescriptor>(std::move(sub));