### 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_
NO,
    UNHARDENED,
    HARDENED,
};
class BIP32PubkeyProvider final : public PubkeyProvider
{
    
    CExtPubKey m_root_extkey;
    KeyPath m_path;
    DeriveType m_derive;
    
    bool m_apostrophe;
    bool GetExtKey(const SigningProvider& arg, CExtKey& ret) const
    {
        CKey key;
        if (!arg.GetKey(m_root_extkey.pubkey.GetID(), key)) return false;
        ret.nDepth = m_root_extkey.nDepth;
        std::copy(m_root_extkey.vchFingerprint, m_root_extkey.vchFingerprint + sizeof(ret.vchFingerprint), ret.vchFingerprint);
        ret.nChild = m_root_extkey.nChild;
        ret.chaincode = m_root_extkey.chaincode;
        ret.key = key;
        return true;
    }
    
    bool GetDerivedExtKey(const SigningProvider& arg, CExtKey& xprv, CExtKey& last_hardened) const