### 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<DatabaseBatch> batch = db.MakeBatch(false);
    BOOST_CHECK(batch);
    std::unique_ptr<DatabaseCursor> cursor = batch->GetNewCursor();
    BOOST_CHECK(cursor);
    while (true) {
        DataStream ssKey{};
        DataStream ssValue{};
        DatabaseCursor::Status status = cursor->Next(ssKey, ssValue);
        assert(status != DatabaseCursor::Status::FAIL);
        if (status == DatabaseCursor::Status::DONE) break;
        std::string type;
        ssKey >> type;
        if (type == key) return true;
    }
    return false;
}
template<typename... Args>
SerializeData MakeSerializeData(const Args&... args)