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 (nIndex == -1)
    {
        CKeyPool keypool;
        pwallet->ReserveKeyFromKeyPool(nIndex, keypool, internal);
        if (nIndex != -1)
            vchPubKey = keypool.vchPubKey;
        else {
            return false;
        }
        fInternal = keypool.fInternal;
    }
    assert(vchPubKey.IsValid());
    pubkey = vchPubKey;
    return true;
}
void CReserveKey::KeepKey()
{
    if (nIndex != -1)
        pwallet->KeepKey(nIndex);
    nIndex = -1;
    vchPubKey = CPubKey();
}
void CReserveKey::ReturnKey()