### 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_
const std::vector<std::vector<std::string>>& scripts, const std::optional<OutputType>& type,
             const std::set<std::vector<uint32_t>>& paths = ONLY_EMPTY, bool replace_apostrophe_with_h_in_prv=false,
             bool replace_apostrophe_with_h_in_pub=false, uint32_t spender_nlocktime=0, uint32_t spender_nsequence=CTxIn::SEQUENCE_FINAL,
             std::map<std::vector<uint8_t>, std::vector<uint8_t>> preimages={})
{
    FlatSigningProvider keys_priv, keys_pub;
    std::set<std::vector<uint32_t>> left_paths = paths;
    std::string error;
    std::unique_ptr<Descriptor> parse_priv;
    std::unique_ptr<Descriptor> parse_pub;
    
    if (replace_apostrophe_with_h_in_prv) {
        prv = UseHInsteadOfApostrophe(prv);
    }
    parse_priv = Parse(prv, keys_priv, error);
    BOOST_CHECK_MESSAGE(parse_priv, error);
    if (replace_apostrophe_with_h_in_pub) {
        pub = UseHInsteadOfApostrophe(pub);
    }
    parse_pub = Parse(pub, keys_pub, error);
    BOOST_CHECK_MESSAGE(parse_pub, error);