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.
const std::string& prefix,
    const std::string& section,
    const std::map<std::string, std::vector<util::SettingsValue>>& args) const
{
    std::string section_str = section.empty() ? "" : "[" + section + "] ";
    for (const auto& arg : args) {
        for (const auto& value : arg.second) {
            std::optional<unsigned int> flags = GetArgFlags('-' + arg.first);
            if (flags) {
                std::string value_str = (*flags & SENSITIVE) ? "****" : value.write();
                LogPrintf("%s %s%s=%s\n", prefix, section_str, arg.first, value_str);
            }
        }
    }
}
void ArgsManager::LogArgs() const
{
    LOCK(cs_args);
    for (const auto& section : m_settings.ro_config) {
        logArgsPrefix("Config file arg:", section.first, section.second);
    }
    for (const auto& setting : m_settings.rw_settings) {
        LogPrintf("Setting file arg: %s = %s\n", setting.first, setting.second.write());
    }
    logArgsPrefix("Command-line arg:", "", m_settings.command_line_options);
}
bool RenameOver(fs::path src, fs::path dest)