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.
nFeeRet -= extraFeePaid;
                    }
                    break; 
                }
                else if (!pick_new_inputs) {
                    
                    
                    
                    
                    strFailReason = _("Transaction fee and change calculation failed");
                    return false;
                }
                
                if (nChangePosInOut != -1 && nSubtractFeeFromAmount == 0) {
                    CAmount additionalFeeNeeded = nFeeNeeded - nFeeRet;
                    std::vector<CTxOut>::iterator change_position = txNew.vout.begin()+nChangePosInOut;
                    
                    if (change_position->nValue >= MIN_FINAL_CHANGE + additionalFeeNeeded) {
                        change_position->nValue -= additionalFeeNeeded;
                        nFeeRet += additionalFeeNeeded;
                        break; 
                    }
                }
                
                
                if (nSubtractFeeFromAmount > 0) {
                    pick_new_inputs = false;
                }
                
                nFeeRet = nFeeNeeded;