### 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_
std::string unused_string;
                    value >> fTmp >> fUnused >> unused_string;
                    pwallet->WalletLogPrintf("LoadWallet() upgrading tx ver=%d %d %s\n",
                                       wtx.fTimeReceivedIsTxTime, fTmp, hash.ToString());
                    wtx.fTimeReceivedIsTxTime = fTmp;
                }
                else
                {
                    pwallet->WalletLogPrintf("LoadWallet() repairing tx ver=%d %s\n", wtx.fTimeReceivedIsTxTime, hash.ToString());
                    wtx.fTimeReceivedIsTxTime = 0;
                }
                upgraded_txs.push_back(hash);
            }
            if (wtx.nOrderPos == -1)
                any_unordered = true;
            return true;
        };
        if (!pwallet->LoadToWallet(hash, fill_wtx)) {
            
            result = std::max(result, DBErrors::NEED_RESCAN);
        }
        return result;
    });
    result = std::max(result, tx_res.m_result);
    
    LoadResult locked_utxo_res = LoadRecords(pwallet, batch, DBKeys::LOCKED_UTXO,
        [] (CWallet* pwallet, DataStream& key, CDataStream& value, std::string& err) EXCLUSIVE_LOCKS_REQUIRED(pwallet->cs_wallet) {
        uint256 hash;
        uint32_t n;
        key >> hash;