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.
{
    CKeyPool keypool;
    {
        LOCK(cs_wallet);
        int64_t nIndex = 0;
        ReserveKeyFromKeyPool(nIndex, keypool, internal);
        if (nIndex == -1)
        {
            if (IsLocked()) return false;
            CWalletDB walletdb(*dbw);
            result = GenerateNewKey(walletdb, internal);
            return true;
        }
        KeepKey(nIndex);
        result = keypool.vchPubKey;
    }
    return true;
}
static int64_t GetOldestKeyTimeInPool(const std::set<int64_t>& setKeyPool, CWalletDB& walletdb) {