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.
fCreditCached = true;
            credit += nCreditCached;
        }
    }
    if (filter & ISMINE_WATCH_ONLY)
    {
        if (fWatchCreditCached)
            credit += nWatchCreditCached;
        else
        {
            nWatchCreditCached = pwallet->GetCredit(*this, ISMINE_WATCH_ONLY);
            fWatchCreditCached = true;
            credit += nWatchCreditCached;
        }
    }
    return credit;
}
CAmount CWalletTx::GetImmatureCredit(bool fUseCache) const
{
    if (IsCoinBase() && GetBlocksToMaturity() > 0 && IsInMainChain())
    {
        if (fUseCache && fImmatureCreditCached)
            return nImmatureCreditCached;
        nImmatureCreditCached = pwallet->GetCredit(*this, ISMINE_SPENDABLE);
        fImmatureCreditCached = true;
        return nImmatureCreditCached;
    }
    return 0;
}
CAmount CWalletTx::GetAvailableCredit(bool fUseCache) const