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.
{
    return CCryptoKeyStore::AddWatchOnly(dest);
}
bool CWallet::Unlock(const SecureString& strWalletPassphrase)
{
    CCrypter crypter;
    CKeyingMaterial _vMasterKey;
    {
        LOCK(cs_wallet);
        for (const MasterKeyMap::value_type& pMasterKey : mapMasterKeys)
        {
            if(!crypter.SetKeyFromPassphrase(strWalletPassphrase, pMasterKey.second.vchSalt, pMasterKey.second.nDeriveIterations, pMasterKey.second.nDerivationMethod))
                return false;
            if (!crypter.Decrypt(pMasterKey.second.vchCryptedKey, _vMasterKey))
                continue; 
            if (CCryptoKeyStore::Unlock(_vMasterKey))
                return true;
        }
    }
    return false;
}
bool CWallet::ChangeWalletPassphrase(const SecureString& strOldWalletPassphrase, const SecureString& strNewWalletPassphrase)