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.
{
    nIndex = -1;
    keypool.vchPubKey = CPubKey();
    {
        LOCK(cs_wallet);
        if (!IsLocked())
            TopUpKeyPool();
        bool fReturningInternal = IsHDEnabled() && CanSupportFeature(FEATURE_HD_SPLIT) && fRequestedInternal;
        std::set<int64_t>& setKeyPool = fReturningInternal ? setInternalKeyPool : setExternalKeyPool;
        
        if(setKeyPool.empty())
            return;
        CWalletDB walletdb(*dbw);
        auto it = setKeyPool.begin();
        nIndex = *it;
        setKeyPool.erase(it);
        if (!walletdb.ReadPool(nIndex, keypool)) {
            throw std::runtime_error(std::string(__func__) + ": read failed");
        }
        if (!HaveKey(keypool.vchPubKey.GetID())) {
            throw std::runtime_error(std::string(__func__) + ": unknown key in key pool");
        }