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 (!wtxNew.AcceptToMemoryPool(maxTxFee, state)) {
                LogPrintf("CommitTransaction(): Transaction cannot be broadcast immediately, %s\n", state.GetRejectReason());
                
            } else {
                wtxNew.RelayWalletTransaction(connman);
            }
        }
    }
    return true;
}
void CWallet::ListAccountCreditDebit(const std::string& strAccount, std::list<CAccountingEntry>& entries) {
    CWalletDB walletdb(*dbw);
    return walletdb.ListAccountCreditDebit(strAccount, entries);
}
bool CWallet::AddAccountingEntry(const CAccountingEntry& acentry)
{
    CWalletDB walletdb(*dbw);
    return AddAccountingEntry(acentry, &walletdb);
}
bool CWallet::AddAccountingEntry(const CAccountingEntry& acentry, CWalletDB *pwalletdb)
{
    if (!pwalletdb->WriteAccountingEntry(++nAccountingEntryNumber, acentry)) {
        return false;
    }
    laccentries.push_back(acentry);
    CAccountingEntry & entry = laccentries.back();
    wtxOrdered.insert(std::make_pair(entry.nOrderPos, TxPair(nullptr, &entry)));
    return true;
}
DBErrors CWallet::LoadWallet(bool& fFirstRunRet)