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.
{
    LOCK(cs_wallet);
    CWalletDB walletdb(*dbw, "r+", fFlushOnClose);
    uint256 hash = wtxIn.GetHash();
    
    std::pair<std::map<uint256, CWalletTx>::iterator, bool> ret = mapWallet.insert(std::make_pair(hash, wtxIn));
    CWalletTx& wtx = (*ret.first).second;
    wtx.BindWallet(this);
    bool fInsertedNew = ret.second;
    if (fInsertedNew)
    {
        wtx.nTimeReceived = GetAdjustedTime();
        wtx.nOrderPos = IncOrderPosNext(&walletdb);
        wtxOrdered.insert(std::make_pair(wtx.nOrderPos, TxPair(&wtx, nullptr)));
        wtx.nTimeSmart = ComputeTimeSmart(wtx);
        AddToSpends(hash);
    }
    bool fUpdated = false;
    if (!fInsertedNew)
    {
        
        if (!wtxIn.hashUnset() && wtxIn.hashBlock != wtx.hashBlock)
        {
            wtx.hashBlock = wtxIn.hashBlock;
            fUpdated = true;
        }