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.
int nVersion = s.GetVersion();
        if (!(s.GetType() & SER_GETHASH))
            READWRITE(nVersion);
        READWRITE(nTime);
        READWRITE(vchPubKey);
        if (ser_action.ForRead()) {
            try {
                READWRITE(fInternal);
            }
            catch (std::ios_base::failure&) {
                /* flag as external address if we can't read the internal boolean
                   (this will be the case for any wallet before the HD chain split version) */
                fInternal = false;
            }
        }
        else {
            READWRITE(fInternal);
        }
    }
};
class CAddressBookData