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.
return nullptr;
        }
        else if (nLoadWalletRet == DB_NONCRITICAL_ERROR)
        {
            InitWarning(strprintf(_("Error reading %s! All keys read correctly, but transaction data"
                                         " or address book entries might be missing or incorrect."),
                walletFile));
        }
        else if (nLoadWalletRet == DB_TOO_NEW) {
            InitError(strprintf(_("Error loading %s: Wallet requires newer version of %s"), walletFile, _(PACKAGE_NAME)));
            return nullptr;
        }
        else if (nLoadWalletRet == DB_NEED_REWRITE)
        {
            InitError(strprintf(_("Wallet needed to be rewritten: restart %s to complete"), _(PACKAGE_NAME)));
            return nullptr;
        }
        else {
            InitError(strprintf(_("Error loading %s"), walletFile));
            return nullptr;
        }
    }
    if (gArgs.GetBoolArg("-upgradewallet", fFirstRun))
    {
        int nMaxVersion = gArgs.GetArg("-upgradewallet", 0);
        if (nMaxVersion == 0) 
        {
            LogPrintf("Performing wallet upgrade to %i\n", FEATURE_LATEST);
            nMaxVersion = CLIENT_VERSION;
            walletInstance->SetMinVersion(FEATURE_LATEST);