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.
{
               for (CTxOut txout : pcoin->tx->vout)
                   if (IsChange(txout))
                   {
                       CTxDestination txoutAddr;
                       if(!ExtractDestination(txout.scriptPubKey, txoutAddr))
                           continue;
                       grouping.insert(txoutAddr);
                   }
            }
            if (grouping.size() > 0)
            {
                groupings.insert(grouping);
                grouping.clear();
            }
        }
        
        for (const auto& txout : pcoin->tx->vout)
            if (IsMine(txout))
            {
                CTxDestination address;
                if(!ExtractDestination(txout.scriptPubKey, address))
                    continue;
                grouping.insert(address);
                groupings.insert(grouping);
                grouping.clear();
            }
    }
    std::set< std::set<CTxDestination>* > uniqueGroupings; 
    std::map< CTxDestination, std::set<CTxDestination>* > setmap;