When `bitcoin-cli` is run, **it, not bitcoind** creates an empty `~/.bitcoin/wallets` direcctory with `~` bring home of currently running user. This is weird and leads to user confusion because it happens even in cases when `bitcoin-cli` connects to a `bitcoind` running under a different user or probably on other machine.

**Expected behavior**

`bitcoin-cli` never modifies filesystem, especially not things that the daemon should take care of.

**Actual behavior**

`bitcoin-cli creates empty directory`

**To reproduce**

0. make sure `~/.bitcoin` does **not** exist under user A
1. install `bitcoind` and run it under a user B
2. run `bitcoin-cli getblockchaininfo` under user A
3. `ls ~/.bitcoin` under user A

For quick setup, you can try to use [my project](https://deb.ln-ask.me) in a Debian VM or using provided Docker file. Just `apt install bitcoin-regtest bitcoin-cli`, it's already pre-configured to run under a different user, so then just running `sudo bitcoin-cli getblockchaininfo && sudo ls /root/.bitcoin` should reproduce the issue.

**System information**

0.20 official release downloaded from `https://bitcoin.org/bin/bitcoin-core-...`, verified GPG signature from Wladimir.

OS: Linux Debian Buster
CPU: Intel x86_64
Disk: NVMe SSD
FS: ext4

I don't think configuration is relevant since `bitcoin-cli` is **not** informed where to find it (via parameters or otherwise) and thus it can **not** access it. I also added `-rpcport` and `-rpccookiefile` parameters explicitly but I don't think it's relevant.

Loosely related to #16220, but not a duplicate.
delete m_wallet_controller;
    m_wallet_controller = nullptr;
#endif 
    delete clientModel;
    clientModel = nullptr;
    
    Q_EMIT requestedShutdown();
}
void BitcoinApplication::initializeResult(bool success, interfaces::BlockAndHeaderTipInfo tip_info)
{
    qDebug() << __func__ << ": Initialization result: " << success;
    
    returnValue = success ? EXIT_SUCCESS : EXIT_FAILURE;
    if(success) {
        delete m_splash;
        m_splash = nullptr;
        
        qInfo() << "Platform customization:" << platformStyle->getName();
        clientModel = new ClientModel(node(), optionsModel);
        window->setClientModel(clientModel, &tip_info);
#ifdef ENABLE_WALLET
        if (WalletModel::isWalletEnabled()) {
            m_wallet_controller = new WalletController(*clientModel, platformStyle, this);
            window->setWalletController(m_wallet_controller);
            if (paymentServer) {
                paymentServer->setOptionsModel(optionsModel);