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 (nFeeNeeded < ::minRelayTxFee.GetFee(nBytes))
                {
                    strFailReason = _("Transaction too large for fee policy");
                    return false;
                }
                if (nFeeRet >= nFeeNeeded) {
                    
                    
                    
                    
                    
                    
                    
                    
                    
                    if (nChangePosInOut == -1 && nSubtractFeeFromAmount == 0 && pick_new_inputs) {
                        unsigned int tx_size_with_change = nBytes + change_prototype_size + 2; 
                        CAmount fee_needed_with_change = GetMinimumFee(tx_size_with_change, coin_control, ::mempool, ::feeEstimator, nullptr);
                        CAmount minimum_value_for_change = GetDustThreshold(change_prototype_txout, discard_rate);
                        if (nFeeRet >= fee_needed_with_change + minimum_value_for_change) {
                            pick_new_inputs = false;
                            nFeeRet = fee_needed_with_change;
                            continue;
                        }
                    }
                    
                    if (nFeeRet > nFeeNeeded && nChangePosInOut != -1 && nSubtractFeeFromAmount == 0) {
                        CAmount extraFeePaid = nFeeRet - nFeeNeeded;
                        std::vector<CTxOut>::iterator change_position = txNew.vout.begin()+nChangePosInOut;
                        change_position->nValue += extraFeePaid;