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.
{
    const CTransaction* ptx = &tx;
    int n = output;
    while (IsChange(ptx->vout[n]) && ptx->vin.size() > 0) {
        const COutPoint& prevout = ptx->vin[0].prevout;
        auto it = mapWallet.find(prevout.hash);
        if (it == mapWallet.end() || it->second.tx->vout.size() <= prevout.n ||
            !IsMine(it->second.tx->vout[prevout.n])) {
            break;
        }
        ptx = it->second.tx.get();
        n = prevout.n;
    }
    return ptx->vout[n];
}
static void ApproximateBestSubset(const std::vector<CInputCoin>& vValue, const CAmount& nTotalLower, const CAmount& nTargetValue,
                                  std::vector<char>& vfBest, CAmount& nBest, int iterations = 1000)
{
    std::vector<char> vfIncluded;
    vfBest.assign(vValue.size(), true);
    nBest = nTotalLower;
    FastRandomContext insecure_rand;
    for (int nRep = 0; nRep < iterations && nBest != nTargetValue; nRep++)
    {
        vfIncluded.assign(vValue.size(), false);
        CAmount nTotal = 0;
        bool fReachedTarget = false;
        for (int nPass = 0; nPass < 2 && !fReachedTarget; nPass++)