### 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_
static DBErrors LoadTxRecords(CWallet* pwallet, DatabaseBatch& batch, std::vector<uint256>& upgraded_txs, bool& any_unordered) EXCLUSIVE_LOCKS_REQUIRED(pwallet->cs_wallet)
{
    AssertLockHeld(pwallet->cs_wallet);
    DBErrors result = DBErrors::LOAD_OK;
    
    any_unordered = false;
    LoadResult tx_res = LoadRecords(pwallet, batch, DBKeys::TX,
        [&any_unordered, &upgraded_txs] (CWallet* pwallet, DataStream& key, CDataStream& value, std::string& err) EXCLUSIVE_LOCKS_REQUIRED(pwallet->cs_wallet) {
        DBErrors result = DBErrors::LOAD_OK;
        uint256 hash;
        key >> hash;
        
        
        auto fill_wtx = [&](CWalletTx& wtx, bool new_tx) {
            if(!new_tx) {
                
                err = "Error: Corrupt transaction found. This can be fixed by removing transactions from wallet and rescanning.";
                result = DBErrors::CORRUPT;
                return false;
            }
            value >> wtx;
            if (wtx.GetHash() != hash)
                return false;
            
            if (31404 <= wtx.fTimeReceivedIsTxTime && wtx.fTimeReceivedIsTxTime <= 31703)
            {
                if (!value.empty())
                {
                    uint8_t fTmp;
                    uint8_t fUnused;