When `bitcoin-cli` is run, **it, not bitcoind** creates an empty `~/.bitcoin/wallets` direcctory with `~` bring home of currently running user. This is weird and leads to user confusion because it happens even in cases when `bitcoin-cli` connects to a `bitcoind` running under a different user or probably on other machine.

**Expected behavior**

`bitcoin-cli` never modifies filesystem, especially not things that the daemon should take care of.

**Actual behavior**

`bitcoin-cli creates empty directory`

**To reproduce**

0. make sure `~/.bitcoin` does **not** exist under user A
1. install `bitcoind` and run it under a user B
2. run `bitcoin-cli getblockchaininfo` under user A
3. `ls ~/.bitcoin` under user A

For quick setup, you can try to use [my project](https://deb.ln-ask.me) in a Debian VM or using provided Docker file. Just `apt install bitcoin-regtest bitcoin-cli`, it's already pre-configured to run under a different user, so then just running `sudo bitcoin-cli getblockchaininfo && sudo ls /root/.bitcoin` should reproduce the issue.

**System information**

0.20 official release downloaded from `https://bitcoin.org/bin/bitcoin-core-...`, verified GPG signature from Wladimir.

OS: Linux Debian Buster
CPU: Intel x86_64
Disk: NVMe SSD
FS: ext4

I don't think configuration is relevant since `bitcoin-cli` is **not** informed where to find it (via parameters or otherwise) and thus it can **not** access it. I also added `-rpcport` and `-rpccookiefile` parameters explicitly but I don't think it's relevant.

Loosely related to #16220, but not a duplicate.
options.emplace_back(name, value);
                if ((pos = name.rfind('.')) != std::string::npos && prefix.length() <= pos) {
                    sections.emplace_back(SectionInfo{name.substr(0, pos), filepath, linenr});
                }
            } else {
                error = strprintf("parse error on line %i: %s", linenr, str);
                if (str.size() >= 2 && str.substr(0, 2) == "no") {
                    error += strprintf(", if you intended to specify a negated option, use %s=1 instead", str);
                }
                return false;
            }
        }
        ++linenr;
    }
    return true;
}
bool IsConfSupported(KeyInfo& key, std::string& error) {
    if (key.name == "conf") {
        error = "conf cannot be set in the configuration file; use includeconf= if you want to include additional config files";
        return false;
    }
    if (key.name == "reindex") {
        
        
        LogPrintf("Warning: reindex=1 is set in the configuration file, which will significantly slow down startup. Consider removing or commenting out this option for better performance, unless there is currently a condition which makes rebuilding the indexes necessary\n");
        return true;
    }
    return true;
}
bool ArgsManager::ReadConfigStream(std::istream& stream, const std::string& filepath, std::string& error, bool ignore_invalid_keys)