### 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_
{
        if (!GetExtKey(arg, xprv)) return false;
        for (auto entry : m_path) {
            if (!xprv.Derive(xprv, entry)) return false;
            if (entry >> 31) {
                last_hardened = xprv;
            }
        }
        return true;
    }
    bool IsHardened() const
    {
        if (m_derive == DeriveType::HARDENED) return true;
        for (auto entry : m_path) {
            if (entry >> 31) return true;
        }
        return false;
    }
public:
    BIP32PubkeyProvider(uint32_t exp_index, const CExtPubKey& extkey, KeyPath path, DeriveType derive, bool apostrophe) : PubkeyProvider(exp_index), m_root_extkey(extkey), m_path(std::move(path)), m_derive(derive), m_apostrophe(apostrophe) {}
    bool IsRange() const override { return m_derive != DeriveType::NO; }
    size_t GetSize() const override { return 33; }
    bool GetPubKey(int pos, const SigningProvider& arg, CPubKey& key_out, KeyOriginInfo& final_info_out, const DescriptorCache* read_cache = nullptr, DescriptorCache* write_cache = nullptr) const override