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.
{
    if (tx->vin.empty())
        return 0;
    CAmount debit = 0;
    if(filter & ISMINE_SPENDABLE)
    {
        if (fDebitCached)
            debit += nDebitCached;
        else
        {
            nDebitCached = pwallet->GetDebit(*this, ISMINE_SPENDABLE);
            fDebitCached = true;
            debit += nDebitCached;
        }
    }
    if(filter & ISMINE_WATCH_ONLY)
    {
        if(fWatchDebitCached)
            debit += nWatchDebitCached;
        else
        {
            nWatchDebitCached = pwallet->GetDebit(*this, ISMINE_WATCH_ONLY);
            fWatchDebitCached = true;
            debit += nWatchDebitCached;
        }
    }
    return debit;
}
CAmount CWalletTx::GetCredit(const isminefilter& filter) const