### 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_
{
    uint8_t c0 = c >> 35;
    c = ((c & 0x7ffffffff) << 5) ^ val;
    if (c0 & 1) c ^= 0xf5dee51989;
    if (c0 & 2) c ^= 0xa9fdca3312;
    if (c0 & 4) c ^= 0x1bab10e32d;
    if (c0 & 8) c ^= 0x3706b1677a;
    if (c0 & 16) c ^= 0x644d626ffd;
    return c;
}
std::string DescriptorChecksum(const Span<const char>& span)