Another simple way to fix this if you have something like TWRP installed, is to go into data/system/users/0/ and rm -rf wallpaper
Sure, there's some work happening in the TWRP repos, but I can't figure out does that mean TWRP works on Android 10 or not.
https://gerrit.twrp.me/plugins/gitiles/android_bootable_reco...
Another simple way to fix this if you have something like TWRP installed, is to go into data/system/users/0/ and rm -rf wallpaper