### 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_
{
    m_parent_xpubs[key_exp_pos] = xpub;
}
void DescriptorCache::CacheDerivedExtPubKey(uint32_t key_exp_pos, uint32_t der_index, const CExtPubKey& xpub)
{
    auto& xpubs = m_derived_xpubs[key_exp_pos];
    xpubs[der_index] = xpub;
}
void DescriptorCache::CacheLastHardenedExtPubKey(uint32_t key_exp_pos, const CExtPubKey& xpub)
{
    m_last_hardened_xpubs[key_exp_pos] = xpub;
}
bool DescriptorCache::GetCachedParentExtPubKey(uint32_t key_exp_pos, CExtPubKey& xpub) const
{
    const auto& it = m_parent_xpubs.find(key_exp_pos);
    if (it == m_parent_xpubs.end()) return false;
    xpub = it->second;
    return true;
}
bool DescriptorCache::GetCachedDerivedExtPubKey(uint32_t key_exp_pos, uint32_t der_index, CExtPubKey& xpub) const
{
    const auto& key_exp_it = m_derived_xpubs.find(key_exp_pos);
    if (key_exp_it == m_derived_xpubs.end()) return false;
    const auto& der_it = key_exp_it->second.find(der_index);
    if (der_it == key_exp_it->second.end()) return false;
    xpub = der_it->second;
    return true;
}
bool DescriptorCache::GetCachedLastHardenedExtPubKey(uint32_t key_exp_pos, CExtPubKey& xpub) const