After upgrading from 4.5.4 (where the plasmoid is working) to 4.6.1 the plasmoid is still working

Upgrading from 4.5.5 (where the plasmoid stopped working) to 4.6.1. the plasmoid works BUT............the account is lost
so I right-click the plasmoid, click settings and the whole workspace/desktop/plasmaworkarea just crashes
Removing the plasmoid and reinstalling it doesn't make any difference (kwallet should come up but doesn't)
So I logged out and logged in as root because I hadn't installed the plasmoid there
I installed the plasmoid, right-click it then click settings and kwallet is coming up, so for a new user there seems to be no problem
Something must be broken for /home/myname, is it kwallet that causes the crash?