### 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_
{
    DataStream prefix;
    SerializeMany(prefix, args...);
    return prefix;
}
static DBErrors LoadDescriptorWalletRecords(CWallet* pwallet, DatabaseBatch& batch, int last_client) EXCLUSIVE_LOCKS_REQUIRED(pwallet->cs_wallet)
{
    AssertLockHeld(pwallet->cs_wallet);
    
    int num_keys = 0;
    int num_ckeys= 0;
    LoadResult desc_res = LoadRecords(pwallet, batch, DBKeys::WALLETDESCRIPTOR,
        [&batch, &num_keys, &num_ckeys, &last_client] (CWallet* pwallet, DataStream& key, CDataStream& value, std::string& strErr) {
        DBErrors result = DBErrors::LOAD_OK;
        uint256 id;
        key >> id;
        WalletDescriptor desc;
        try {
            value >> desc;
        } catch (const std::ios_base::failure&) {
            strErr = strprintf("Error: Unrecognized descriptor found in wallet %s. ", pwallet->GetName());
            strErr += (last_client > CLIENT_VERSION) ? "The wallet might had been created on a newer version. " :
                    "The database might be corrupted or the software version is not compatible with one of your wallet descriptors. ";
            strErr += "Please try running the latest software version";