### Is there an existing issue for this?

- [X] I have searched the existing issues

### Current behaviour

I randomly encountered this by loading a wallet created from master with an older version. I could trace it down to bd13dc2f46ea10302a928fcf0f53b7aed77ad260 (#26076), but I don't know descriptor wallets enough to understand what's going on (cc @Sjors @achow101).

### Expected behaviour

`bitcoind` starts, or at least tells me to use a later version if #26076 was a breaking change instead of corrupting `wallet.dat`.

### Steps to reproduce

(master, clean chain): 
`createwallet -regtest ""`
(v25.0rc2):
first `bitcoind -regtest` succeeds
then stop and restart the node: The second `bitcoind -regtest` leads to an InitError:
`Error: Error: Unable to expand wallet descriptor from cache`
now, the wallet cannot be loaded by either version.

### Relevant log output

_No response_

### How did you obtain Bitcoin Core

Compiled from source

### What version of Bitcoin Core are you using?

v25.0rc2 / master

### Operating system and version

Ubuntu

### Machine specifications

_No response_
static DBErrors LoadMinVersion(CWallet* pwallet, DatabaseBatch& batch) EXCLUSIVE_LOCKS_REQUIRED(pwallet->cs_wallet)
{
    AssertLockHeld(pwallet->cs_wallet);
    int nMinVersion = 0;
    if (batch.Read(DBKeys::MINVERSION, nMinVersion)) {
        if (nMinVersion > FEATURE_LATEST)
            return DBErrors::TOO_NEW;
        pwallet->LoadMinVersion(nMinVersion);
    }
    return DBErrors::LOAD_OK;
}
static DBErrors LoadWalletFlags(CWallet* pwallet, DatabaseBatch& batch) EXCLUSIVE_LOCKS_REQUIRED(pwallet->cs_wallet)
{
    AssertLockHeld(pwallet->cs_wallet);
    uint64_t flags;
    if (batch.Read(DBKeys::FLAGS, flags)) {
        if (!pwallet->LoadWalletFlags(flags)) {
            pwallet->WalletLogPrintf("Error reading wallet database: Unknown non-tolerable wallet flags found\n");
            return DBErrors::TOO_NEW;
        }
    }
    return DBErrors::LOAD_OK;
}
struct LoadResult
{
    DBErrors m_result{DBErrors::LOAD_OK};
    int m_records{0};
};
using LoadFunc = std::function<DBErrors(CWallet* pwallet, DataStream& key, CDataStream& value, std::string& err)>;
static LoadResult LoadRecords(CWallet* pwallet, DatabaseBatch& batch, const std::string& key, DataStream& prefix, LoadFunc load_func)