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:
    CPrivKey vchPrivKey;
    int64_t nTimeCreated;
    int64_t nTimeExpires;
    std::string strComment;
    
    
    explicit CWalletKey(int64_t nExpires=0);
    ADD_SERIALIZE_METHODS;
    template <typename Stream, typename Operation>
    inline void SerializationOp(Stream& s, Operation ser_action) {
        int nVersion = s.GetVersion();
        if (!(s.GetType() & SER_GETHASH))
            READWRITE(nVersion);
        READWRITE(vchPrivKey);
        READWRITE(nTimeCreated);
        READWRITE(nTimeExpires);
        READWRITE(LIMITED_STRING(strComment, 65536));
    }
};
/**
 * Internal transfers.
 * Database key is acentry<account><counter>.
 */
class CAccountingEntry