refactor: wallet: move error handling to PopulateWalletFromDB()

diff --git a/src/wallet/test/wallet_tests.cpp b/src/wallet/test/wallet_tests.cpp
index 16fc8576..50d2f78b 100644
--- a/src/wallet/test/wallet_tests.cpp
+++ b/src/wallet/test/wallet_tests.cpp
@@ -306,7 +306,7 @@ void TestLoadWallet(const std::string& name, DatabaseFormat format, std::functio
     std::vector<bilingual_str> warnings;
     auto database{MakeWalletDatabase(name, options, status, error)};
     auto wallet{std::make_shared<CWallet>(chain.get(), "", std::move(database))};
-    BOOST_CHECK_EQUAL(wallet->PopulateWalletFromDB(), DBErrors::LOAD_OK);
+    BOOST_CHECK_EQUAL(wallet->PopulateWalletFromDB(error, warnings), DBErrors::LOAD_OK);
     WITH_LOCK(wallet->cs_wallet, f(wallet));
 }
 
diff --git a/src/wallet/test/walletload_tests.cpp b/src/wallet/test/walletload_tests.cpp
index ed33613f..dadbb07e 100644
--- a/src/wallet/test/walletload_tests.cpp
+++ b/src/wallet/test/walletload_tests.cpp
@@ -39,6 +39,8 @@ public:
 
 BOOST_FIXTURE_TEST_CASE(wallet_load_descriptors, TestingSetup)
 {
+    bilingual_str _error;
+    std::vector<bilingual_str> _warnings;
     std::unique_ptr<WalletDatabase> database = CreateMockableWalletDatabase();
     {
         // Write unknown active descriptor
@@ -52,7 +54,7 @@ BOOST_FIXTURE_TEST_CASE(wallet_load_descriptors, TestingSetup)
     {
         // Now try to load the wallet and verify the error.
         const std::shared_ptr<CWallet> wallet(new CWallet(m_node.chain.get(), "", std::move(database)));
-        BOOST_CHECK_EQUAL(wallet->PopulateWalletFromDB(), DBErrors::UNKNOWN_DESCRIPTOR);
+        BOOST_CHECK_EQUAL(wallet->PopulateWalletFromDB(_error, _warnings), DBErrors::UNKNOWN_DESCRIPTOR);
     }
 
     // Test 2
@@ -78,7 +80,7 @@ BOOST_FIXTURE_TEST_CASE(wallet_load_descriptors, TestingSetup)
     {
         // Now try to load the wallet and verify the error.
         const std::shared_ptr<CWallet> wallet(new CWallet(m_node.chain.get(), "", std::move(database)));
-        BOOST_CHECK_EQUAL(wallet->PopulateWalletFromDB(), DBErrors::CORRUPT);
+        BOOST_CHECK_EQUAL(wallet->PopulateWalletFromDB(_error, _warnings), DBErrors::CORRUPT);
         BOOST_CHECK(found); // The error must be logged
     }
 }
diff --git a/src/wallet/wallet.cpp b/src/wallet/wallet.cpp
index 4a464cdf..027bfeef 100644
--- a/src/wallet/wallet.cpp
+++ b/src/wallet/wallet.cpp
@@ -2290,7 +2290,7 @@ void CWallet::CommitTransaction(CTransactionRef tx, mapValue_t mapValue, std::ve
     }
 }
 
-DBErrors CWallet::PopulateWalletFromDB()
+DBErrors CWallet::PopulateWalletFromDB(bilingual_str& error, std::vector<bilingual_str>& warnings)
 {
     LOCK(cs_wallet);
 
@@ -2312,6 +2312,36 @@ DBErrors CWallet::PopulateWalletFromDB()
         assert(m_internal_spk_managers.empty());
     }
 
+    if (nLoadWalletRet != DBErrors::LOAD_OK) {
+        const auto wallet_file = m_database->Filename();
+        if (nLoadWalletRet == DBErrors::CORRUPT) {
+            error = strprintf(_("Error loading %s: Wallet corrupted"), wallet_file);
+        } else if (nLoadWalletRet == DBErrors::NONCRITICAL_ERROR) {
+            warnings.push_back(strprintf(_("Error reading %s! All keys read correctly, but transaction data"
+                                           " or address metadata may be missing or incorrect."),
+                wallet_file));
+        } else if (nLoadWalletRet == DBErrors::TOO_NEW) {
+            error = strprintf(_("Error loading %s: Wallet requires newer version of %s"), wallet_file, CLIENT_NAME);
+        } else if (nLoadWalletRet == DBErrors::EXTERNAL_SIGNER_SUPPORT_REQUIRED) {
+            error = strprintf(_("Error loading %s: External signer wallet being loaded without external signer support compiled"), wallet_file);
+        } else if (nLoadWalletRet == DBErrors::NEED_REWRITE) {
+            error = strprintf(_("Wallet needed to be rewritten: restart %s to complete"), CLIENT_NAME);
+        } else if (nLoadWalletRet == DBErrors::NEED_RESCAN) {
+            warnings.push_back(strprintf(_("Error reading %s! Transaction data may be missing or incorrect."
+                                           " Rescanning wallet."), wallet_file));
+        } else if (nLoadWalletRet == DBErrors::UNKNOWN_DESCRIPTOR) {
+            error = strprintf(_("Unrecognized descriptor found. Loading wallet %s\n\n"
+                                "The wallet might have been created on a newer version.\n"
+                                "Please try running the latest software version.\n"), wallet_file);
+        } else if (nLoadWalletRet == DBErrors::UNEXPECTED_LEGACY_ENTRY) {
+            error = strprintf(_("Unexpected legacy entry in descriptor wallet found. Loading wallet %s\n\n"
+                                "The wallet might have been tampered with or created with malicious intent.\n"), wallet_file);
+        } else if (nLoadWalletRet == DBErrors::LEGACY_WALLET) {
+            error = strprintf(_("Error loading %s: Wallet is a legacy wallet. Please migrate to a descriptor wallet using the migration tool (migratewallet RPC)."), wallet_file);
+        } else {
+            error = strprintf(_("Error loading %s"), wallet_file);
+        }
+    }
     return nLoadWalletRet;
 }
 
@@ -2854,51 +2884,10 @@ std::shared_ptr<CWallet> CWallet::Create(WalletContext& context, const std::stri
     walletInstance->m_notify_tx_changed_script = args.GetArg("-walletnotify", "");
 
     // Load wallet
-    bool rescan_required = false;
-    DBErrors nLoadWalletRet = walletInstance->PopulateWalletFromDB();
-    if (nLoadWalletRet != DBErrors::LOAD_OK) {
-        if (nLoadWalletRet == DBErrors::CORRUPT) {
-            error = strprintf(_("Error loading %s: Wallet corrupted"), walletFile);
-            return nullptr;
-        }
-        else if (nLoadWalletRet == DBErrors::NONCRITICAL_ERROR)
-        {
-            warnings.push_back(strprintf(_("Error reading %s! All keys read correctly, but transaction data"
-                                           " or address metadata may be missing or incorrect."),
-                walletFile));
-        }
-        else if (nLoadWalletRet == DBErrors::TOO_NEW) {
-            error = strprintf(_("Error loading %s: Wallet requires newer version of %s"), walletFile, CLIENT_NAME);
-            return nullptr;
-        }
-        else if (nLoadWalletRet == DBErrors::EXTERNAL_SIGNER_SUPPORT_REQUIRED) {
-            error = strprintf(_("Error loading %s: External signer wallet being loaded without external signer support compiled"), walletFile);
-            return nullptr;
-        }
-        else if (nLoadWalletRet == DBErrors::NEED_REWRITE)
-        {
-            error = strprintf(_("Wallet needed to be rewritten: restart %s to complete"), CLIENT_NAME);
-            return nullptr;
-        } else if (nLoadWalletRet == DBErrors::NEED_RESCAN) {
-            warnings.push_back(strprintf(_("Error reading %s! Transaction data may be missing or incorrect."
-                                           " Rescanning wallet."), walletFile));
-            rescan_required = true;
-        } else if (nLoadWalletRet == DBErrors::UNKNOWN_DESCRIPTOR) {
-            error = strprintf(_("Unrecognized descriptor found. Loading wallet %s\n\n"
-                                "The wallet might have been created on a newer version.\n"
-                                "Please try running the latest software version.\n"), walletFile);
-            return nullptr;
-        } else if (nLoadWalletRet == DBErrors::UNEXPECTED_LEGACY_ENTRY) {
-            error = strprintf(_("Unexpected legacy entry in descriptor wallet found. Loading wallet %s\n\n"
-                                "The wallet might have been tampered with or created with malicious intent.\n"), walletFile);
-            return nullptr;
-        } else if (nLoadWalletRet == DBErrors::LEGACY_WALLET) {
-            error = strprintf(_("Error loading %s: Wallet is a legacy wallet. Please migrate to a descriptor wallet using the migration tool (migratewallet RPC)."), walletFile);
-            return nullptr;
-        } else {
-            error = strprintf(_("Error loading %s"), walletFile);
-            return nullptr;
-        }
+    auto nLoadWalletRet = walletInstance->PopulateWalletFromDB(error, warnings);
+    bool rescan_required = nLoadWalletRet == DBErrors::NEED_RESCAN;
+    if (nLoadWalletRet != DBErrors::LOAD_OK && nLoadWalletRet != DBErrors::NONCRITICAL_ERROR && !rescan_required) {
+        return nullptr;
     }
 
     // This wallet is in its first run if there are no ScriptPubKeyMans and it isn't blank or no privkeys
diff --git a/src/wallet/wallet.h b/src/wallet/wallet.h
index e135b9d6..1351ee18 100644
--- a/src/wallet/wallet.h
+++ b/src/wallet/wallet.h
@@ -797,7 +797,7 @@ public:
     bool IsFromMe(const CTransaction& tx) const;
     CAmount GetDebit(const CTransaction& tx) const;
 
-    DBErrors PopulateWalletFromDB();
+    DBErrors PopulateWalletFromDB(bilingual_str& error, std::vector<bilingual_str>& warnings);
 
     /** Erases the provided transactions from the wallet. */
     util::Result<void> RemoveTxs(std::vector<Txid>& txs_to_remove) EXCLUSIVE_LOCKS_REQUIRED(cs_wallet);
diff --git a/src/wallet/wallettool.cpp b/src/wallet/wallettool.cpp
index b7012bd0..e0de4fc9 100644
--- a/src/wallet/wallettool.cpp
+++ b/src/wallet/wallettool.cpp
@@ -2,8 +2,6 @@
 // Distributed under the MIT software license, see the accompanying
 // file COPYING or http://www.opensource.org/licenses/mit-license.php.
 
-#include <bitcoin-build-config.h> // IWYU pragma: keep
-
 #include <wallet/wallettool.h>
 
 #include <common/args.h>
@@ -44,6 +42,7 @@ static std::shared_ptr<CWallet> MakeWallet(const std::string& name, const fs::pa
 {
     DatabaseStatus status;
     bilingual_str error;
+    std::vector<bilingual_str> warnings;
     std::unique_ptr<WalletDatabase> database = MakeDatabase(path, options, status, error);
     if (!database) {
         tfm::format(std::cerr, "%s\n", error.original);
@@ -54,35 +53,22 @@ static std::shared_ptr<CWallet> MakeWallet(const std::string& name, const fs::pa
     std::shared_ptr<CWallet> wallet_instance{new CWallet(/*chain=*/nullptr, name, std::move(database)), WalletToolReleaseWallet};
     DBErrors load_wallet_ret;
     try {
-        load_wallet_ret = wallet_instance->PopulateWalletFromDB();
+        load_wallet_ret = wallet_instance->PopulateWalletFromDB(error, warnings);
     } catch (const std::runtime_error&) {
         tfm::format(std::cerr, "Error loading %s. Is wallet being used by another process?\n", name);
         return nullptr;
     }
 
-    if (load_wallet_ret != DBErrors::LOAD_OK) {
-        if (load_wallet_ret == DBErrors::CORRUPT) {
-            tfm::format(std::cerr, "Error loading %s: Wallet corrupted", name);
-            return nullptr;
-        } else if (load_wallet_ret == DBErrors::NONCRITICAL_ERROR) {
-            tfm::format(std::cerr, "Error reading %s! All keys read correctly, but transaction data"
-                            " or address book entries might be missing or incorrect.",
-                name);
-        } else if (load_wallet_ret == DBErrors::TOO_NEW) {
-            tfm::format(std::cerr, "Error loading %s: Wallet requires newer version of %s",
-                name, CLIENT_NAME);
-            return nullptr;
-        } else if (load_wallet_ret == DBErrors::NEED_REWRITE) {
-            tfm::format(std::cerr, "Wallet needed to be rewritten: restart %s to complete", CLIENT_NAME);
-            return nullptr;
-        } else if (load_wallet_ret == DBErrors::NEED_RESCAN) {
-            tfm::format(std::cerr, "Error reading %s! Some transaction data might be missing or"
-                           " incorrect. Wallet requires a rescan.",
-                name);
-        } else {
-            tfm::format(std::cerr, "Error loading %s", name);
-            return nullptr;
-        }
+    if (!error.empty()) {
+        tfm::format(std::cerr, "%s", error.original);
+    }
+
+    for (const auto &warning : warnings) {
+        tfm::format(std::cerr, "%s", warning.original);
+    }
+
+    if (load_wallet_ret != DBErrors::LOAD_OK && load_wallet_ret != DBErrors::NONCRITICAL_ERROR && load_wallet_ret != DBErrors::NEED_RESCAN) {
+        return nullptr;
     }
 
     if (options.require_create) WalletCreate(wallet_instance.get(), options.create_flags);