In current master, you could run a 0.13 HD wallet in a non HD compatible 0.12 client, resulting in a mix of HD and non HD key. You could even refill the wallets keypool running a 0.12 client and use it on 0.13 which would lead to a getnewaddress call in 0.13 responding a non HD address.
This PR ensures that HD wallets will at least require version 0.13.
This only affects newly created wallets and only if the user had not passed -usehd=0 (old <0.13 created wallets will still run on <0.13 clients once they where opened in 0.13).
Correct 0.14 branch / replacement for #8343.