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.
masterKey.SetMaster(key.begin(), key.size());
    
    
    masterKey.Derive(accountKey, BIP32_HARDENED_KEY_LIMIT);
    
    assert(internal ? CanSupportFeature(FEATURE_HD_SPLIT) : true);
    accountKey.Derive(chainChildKey, BIP32_HARDENED_KEY_LIMIT+(internal ? 1 : 0));
    
    do {
        
        
        
        if (internal) {
            chainChildKey.Derive(childKey, hdChain.nInternalChainCounter | BIP32_HARDENED_KEY_LIMIT);
            metadata.hdKeypath = "m/0'/1'/" + std::to_string(hdChain.nInternalChainCounter) + "'";
            hdChain.nInternalChainCounter++;
        }
        else {
            chainChildKey.Derive(childKey, hdChain.nExternalChainCounter | BIP32_HARDENED_KEY_LIMIT);
            metadata.hdKeypath = "m/0'/0'/" + std::to_string(hdChain.nExternalChainCounter) + "'";
            hdChain.nExternalChainCounter++;
        }
    } while (HaveKey(childKey.key.GetPubKey().GetID()));
    secret = childKey.key;
    metadata.hdMasterKeyID = hdChain.masterKeyID;
    
    if (!walletdb.WriteHDChain(hdChain))
        throw std::runtime_error(std::string(__func__) + ": Writing HD chain model failed");
}
bool CWallet::AddKeyPubKeyWithDB(CWalletDB &walletdb, const CKey& secret, const CPubKey &pubkey)