Default to disable-wallet mode if the wallet doesn't exist, and require the user to tell the daemon to create it. I think this makes sense eventually, and is a further step toward removing the expectation that Bitcoin Core is a wallet.
Add a command line option -createwallet to create the wallet. Passing this option when the wallet already exists does nothing.
N.B.: The GUI still defaults to creating the wallet by default. There would first need to be a user-friendly way to create the wallet to change this behavior, for example through a menu option. This is going to be the next step if the idea is accepted.
