### 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_
if (pubkey.IsFullyValid()) {
                    return std::make_unique<ConstPubkeyProvider>(key_exp_index, pubkey, true);
                }
            }
            error = strprintf("Pubkey '%s' is invalid", str);
            return nullptr;
        }
        CKey key = DecodeSecret(str);
        if (key.IsValid()) {
            if (permit_uncompressed || key.IsCompressed()) {
                CPubKey pubkey = key.GetPubKey();
                out.keys.emplace(pubkey.GetID(), key);
                return std::make_unique<ConstPubkeyProvider>(key_exp_index, pubkey, ctx == ParseScriptContext::P2TR);
            } else {
                error = "Uncompressed keys are not allowed";
                return nullptr;
            }
        }
    }
    CExtKey extkey = DecodeExtKey(str);
    CExtPubKey extpubkey = DecodeExtPubKey(str);
    if (!extkey.key.IsValid() && !extpubkey.pubkey.IsValid()) {
        error = strprintf("key '%s' is not valid", str);
        return nullptr;
    }
    KeyPath path;
    DeriveType type = DeriveType::NO;
    if (split.back() == Span{"*"}.first(1)) {
        split.pop_back();
        type = DeriveType::UNHARDENED;