### 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_
{
    return sigversion == IsMineSigVersion::TOP || sigversion == IsMineSigVersion::P2SH;
}
bool HaveKeys(const std::vector<valtype>& pubkeys, const LegacyScriptPubKeyMan& keystore)
{
    for (const valtype& pubkey : pubkeys) {
        CKeyID keyID = CPubKey(pubkey).GetID();
        if (!keystore.HaveKey(keyID)) return false;
    }
    return true;
}
IsMineResult IsMineInner(const LegacyScriptPubKeyMan& keystore, const CScript& scriptPubKey, IsMineSigVersion sigversion, bool recurse_scripthash=true)
{
    IsMineResult ret = IsMineResult::NO;
    std::vector<valtype> vSolutions;
    TxoutType whichType = Solver(scriptPubKey, vSolutions);
    CKeyID keyID;
    switch (whichType) {
    case TxoutType::NONSTANDARD:
    case TxoutType::NULL_DATA:
    case TxoutType::WITNESS_UNKNOWN:
    case TxoutType::WITNESS_V1_TAPROOT:
        break;
    case TxoutType::PUBKEY:
        keyID = CPubKey(vSolutions[0]).GetID();
        if (!PermitsUncompressed(sigversion) && vSolutions[0].size() != 33) {
            return IsMineResult::INVALID;
        }
        if (keystore.HaveKey(keyID)) {
            ret = std::max(ret, IsMineResult::SPENDABLE);