Built against `master` branch 801dd40666d1e6009920ad3ff755c7bb993b2a62:

If I have no wallet.dat file and run:

    bitcoind -usehd=0

A new wallet.dat file is created and an HD seed is assigned.

I see an error message in the source:

    "Error loading %s: You can't disable HD on an already existing HD wallet or create new non-HD wallets."

but that doesn't get shown because `fFirstRun` is true, and so the code which checks for `-usehd` values doesn't run.

If it's no longer possible to create non-HD wallets, specifying -usehd=0 when creating a wallet should be an error, and not get silently ignored.
{
    AssertLockHeld(cs_wallet); 
    return setExternalKeyPool.size();
}
void CWallet::LoadKeyPool(int64_t nIndex, const CKeyPool &keypool)
{
    AssertLockHeld(cs_wallet);
    if (keypool.fInternal) {
        setInternalKeyPool.insert(nIndex);
    } else {
        setExternalKeyPool.insert(nIndex);
    }
    m_max_keypool_index = std::max(m_max_keypool_index, nIndex);
    m_pool_key_to_index[keypool.vchPubKey.GetID()] = nIndex;
    
    
    
    CKeyID keyid = keypool.vchPubKey.GetID();
    if (mapKeyMetadata.count(keyid) == 0)
        mapKeyMetadata[keyid] = CKeyMetadata(keypool.nTime);
}
bool CWallet::TopUpKeyPool(unsigned int kpSize)