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 (std::set<CTxDestination> _grouping : groupings)
    {
        
        std::set< std::set<CTxDestination>* > hits;
        std::map< CTxDestination, std::set<CTxDestination>* >::iterator it;
        for (CTxDestination address : _grouping)
            if ((it = setmap.find(address)) != setmap.end())
                hits.insert((*it).second);
        
        std::set<CTxDestination>* merged = new std::set<CTxDestination>(_grouping);
        for (std::set<CTxDestination>* hit : hits)
        {
            merged->insert(hit->begin(), hit->end());
            uniqueGroupings.erase(hit);
            delete hit;
        }
        uniqueGroupings.insert(merged);
        
        for (CTxDestination element : *merged)
            setmap[element] = merged;
    }
    std::set< std::set<CTxDestination> > ret;
    for (std::set<CTxDestination>* uniqueGrouping : uniqueGroupings)
    {
        ret.insert(*uniqueGrouping);
        delete uniqueGrouping;
    }
    return ret;
}
std::set<CTxDestination> CWallet::GetAccountAddresses(const std::string& strAccount) const