### 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_
* is set, the checksum is mandatory - otherwise it is optional.
 *
 * If a parse error occurs, or the checksum is missing/invalid, or anything
 * else is wrong, `nullptr` is returned.
 */
std::unique_ptr<Descriptor> Parse(const std::string& descriptor, FlatSigningProvider& out, std::string& error, bool require_checksum = false);
/** Get the checksum for a `descriptor`.
 *
 * - If it already has one, and it is correct, return the checksum in the input.
 * - If it already has one that is wrong, return "".
 * - If it does not already have one, return the checksum that would need to be added.
 */
std::string GetDescriptorChecksum(const std::string& descriptor);
/** Find a descriptor for the specified `script`, using information from `provider` where possible.
 *
 * A non-ranged descriptor which only generates the specified script will be returned in all
 * circumstances.
 *
 * For public keys with key origin information, this information will be preserved in the returned
 * descriptor.
 *
 * - If all information for solving `script` is present in `provider`, a descriptor will be returned
 *   which is IsSolvable() and encapsulates said information.
 * - Failing that, if `script` corresponds to a known address type, an "addr()" descriptor will be
 *   returned (which is not IsSolvable()).
 * - Failing that, a "raw()" descriptor is returned.
 */
std::unique_ptr<Descriptor> InferDescriptor(const CScript& script, const SigningProvider& provider);
#endif