### 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_
if (it != m_script_metadata.end()) {
            creation_time = it->second.nCreateTime;
        }
        std::vector<std::vector<unsigned char>> sols;
        TxoutType type = Solver(script, sols);
        if (type == TxoutType::MULTISIG) {
            CScript sh_spk = GetScriptForDestination(ScriptHash(script));
            CTxDestination witdest = WitnessV0ScriptHash(script);
            CScript witprog = GetScriptForDestination(witdest);
            CScript sh_wsh_spk = GetScriptForDestination(ScriptHash(witprog));
            
            
            
            
            
            
            
            
            std::vector<std::vector<unsigned char>> keys(sols.begin() + 1, sols.begin() + sols.size() - 1);
            if (HaveWatchOnly(sh_spk) || HaveWatchOnly(script) || HaveKeys(keys, *this) || (HaveCScript(CScriptID(witprog)) && HaveWatchOnly(witprog))) {
                
                assert(IsMine(sh_spk) != ISMINE_NO || IsMine(witprog) != ISMINE_NO || IsMine(sh_wsh_spk) != ISMINE_NO);
                continue;
            }
            assert(IsMine(sh_spk) == ISMINE_NO && IsMine(witprog) == ISMINE_NO && IsMine(sh_wsh_spk) == ISMINE_NO);
            std::unique_ptr<Descriptor> sh_desc = InferDescriptor(sh_spk, *GetSolvingProvider(sh_spk));
            out.solvable_descs.push_back({sh_desc->ToString(), creation_time});
            const auto desc = InferDescriptor(witprog, *this);
            if (desc->IsSolvable()) {
                std::unique_ptr<Descriptor> wsh_desc = InferDescriptor(witprog, *GetSolvingProvider(witprog));