### 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_
{
    std::unique_ptr<SigningProvider> provider = GetSigningProvider(GetScriptForDestination(dest));
    if (provider) {
        KeyOriginInfo orig;
        CKeyID key_id = GetKeyForDestination(*provider, dest);
        if (provider->GetKeyOrigin(key_id, orig)) {
            LOCK(cs_desc_man);
            std::unique_ptr<CKeyMetadata> meta = std::make_unique<CKeyMetadata>();
            meta->key_origin = orig;
            meta->has_key_origin = true;
            meta->nCreateTime = m_wallet_descriptor.creation_time;
            return meta;
        }
    }
    return nullptr;
}
uint256 DescriptorScriptPubKeyMan::GetID() const
{
    LOCK(cs_desc_man);
    std::string desc_str = m_wallet_descriptor.descriptor->ToString();
    uint256 id;
    CSHA256().Write((unsigned char*)desc_str.data(), desc_str.size()).Finalize(id.begin());
    return id;
}
void DescriptorScriptPubKeyMan::SetCache(const DescriptorCache& cache)