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.
}
        
        if (arg_map.first == OptionsCategory::HIDDEN) break;
        for (const auto& arg : arg_map.second) {
            if (show_debug || !(arg.second.m_flags & ArgsManager::DEBUG_ONLY)) {
                std::string name;
                if (arg.second.m_help_param.empty()) {
                    name = arg.first;
                } else {
                    name = arg.first + arg.second.m_help_param;
                }
                usage += HelpMessageOpt(name, arg.second.m_help_text);
            }
        }
    }
    return usage;
}
bool HelpRequested(const ArgsManager& args)
{
    return args.IsArgSet("-?") || args.IsArgSet("-h") || args.IsArgSet("-help") || args.IsArgSet("-help-debug");
}
void SetupHelpOptions(ArgsManager& args)
{
    args.AddArg("-?", "Print this help message and exit", ArgsManager::ALLOW_ANY, OptionsCategory::OPTIONS);
    args.AddHiddenArgs({"-h", "-help"});
}
static const int screenWidth = 79;
static const int optIndent = 2;
static const int msgIndent = 7;
std::string HelpMessageGroup(const std::string &message) {