I hit a crash while creating a new wallet in Bitcoin-Qt 31.1 on an Apple silicon Mac with nosettings=1. After looking through the crash report and code, I traced it to saving the wallet's load-on-startup setting: the settings writer throws when dynamic settings are disabled.
Wallet RPCs report errors with -nosettings after changing wallet state. In Qt, the same settings write causes an uncaught exception.
Return a persistence failure when dynamic settings are disabled so wallet operations finish with their existing startup-setting warning. This avoids an uncaught exception in Qt and RPC errors after the wallet state has already changed. Keep in-memory and no-op updates unchanged.
The first commit adds functional coverage for the current behavior. The second adds the fix, updates the assertions to expect success with warnings, and documents that failed settings writes keep the in-memory changes.
Manual Reproduction
Run on the parent commit and the fixed commit, using a fresh temporary regtest data directory each time:
{ cmake -B build-wallet-review -DBUILD_GUI=ON && cmake --build build-wallet-review -j --target bitcoin-qt; } >/dev/null 2>&1
build-wallet-review/bin/bitcoin-qt -regtest -datadir="$(mktemp -d)" -nosettings -noconnect
Choose File > Create Wallet..., enter repro, leave the defaults unchanged, and click Create.
Before the fix, the application terminates with:
libc++abi: terminating due to uncaught exception of type std::logic_error: Attempt to write settings file when dynamic settings are disabled.
After the fix, the wallet is created and the application displays:
Wallet load on startup setting could not be updated, so wallet may not be loaded next node startup.