On master, reported on IRC, appveyor and travis (macos):

Example backtrace:

```
wallet_multiwallet.py --usecli failed, Duration: 56 s
stdout:
2018-12-10T19:52:57.293000Z TestFramework (INFO): Initializing test directory C:\Users\appveyor\AppData\Local\Temp\1\test_runner_20181210_194416\wallet_multiwallet_70
2018-12-10T19:53:18.569000Z TestFramework (INFO): Do not allow -zapwallettxes with multiwallet
2018-12-10T19:53:19.332000Z TestFramework (INFO): Do not allow -salvagewallet with multiwallet
2018-12-10T19:53:19.839000Z TestFramework (INFO): Do not allow -upgradewallet with multiwallet
2018-12-10T19:53:32.857000Z TestFramework (INFO): Check for per-wallet settxfee call
2018-12-10T19:53:33.296000Z TestFramework (INFO): Test dynamic wallet loading
2018-12-10T19:53:36.907000Z TestFramework (INFO): Load first wallet
2018-12-10T19:53:37.476000Z TestFramework (INFO): Load second wallet
2018-12-10T19:53:38.049000Z TestFramework (INFO): Load remaining wallets
2018-12-10T19:53:41.485000Z TestFramework (INFO): Test dynamic wallet creation.
2018-12-10T19:53:43.012000Z TestFramework (INFO): Test dynamic wallet unloading
2018-12-10T19:53:47.773000Z TestFramework (INFO): Test wallet backup
2018-12-10T19:53:52.517000Z TestFramework (ERROR): JSONRPC error
Traceback (most recent call last):
  File "C:\projects\bitcoin\test\functional\test_framework\test_framework.py", line 173, in main
    self.run_test()
  File "C:\projects\bitcoin/test/functional/wallet_multiwallet.py", line 315, in run_test
    self.nodes[0].loadwallet(wallet_name)
  File "C:\projects\bitcoin\test\functional\test_framework\test_node.py", line 400, in __call__
    return self.cli.send_cli(self.command, *args, **kwargs)
  File "C:\projects\bitcoin\test\functional\test_framework\test_node.py", line 453, in send_cli
    raise JSONRPCException(dict(code=int(code), message=message))
test_framework.authproxy.JSONRPCException: Wallet file verification failed: Error loading wallet w2. Duplicate -wallet filename specified. (-4)
std::shared_ptr<CWallet> walletInstance(new CWallet(chain, location, WalletDatabase::Create(location.GetPath())), ReleaseWallet);
    DBErrors nLoadWalletRet = walletInstance->LoadWallet(fFirstRun);
    if (nLoadWalletRet != DBErrors::LOAD_OK)
    {
        if (nLoadWalletRet == DBErrors::CORRUPT) {
            InitError(strprintf(_("Error loading %s: Wallet corrupted"), walletFile));
            return nullptr;
        }
        else if (nLoadWalletRet == DBErrors::NONCRITICAL_ERROR)
        {
            InitWarning(strprintf(_("Error reading %s! All keys read correctly, but transaction data"
                                         " or address book entries might be missing or incorrect."),
                walletFile));
        }
        else if (nLoadWalletRet == DBErrors::TOO_NEW) {
            InitError(strprintf(_("Error loading %s: Wallet requires newer version of %s"), walletFile, _(PACKAGE_NAME)));
            return nullptr;
        }
        else if (nLoadWalletRet == DBErrors::NEED_REWRITE)
        {
            InitError(strprintf(_("Wallet needed to be rewritten: restart %s to complete"), _(PACKAGE_NAME)));
            return nullptr;
        }
        else {
            InitError(strprintf(_("Error loading %s"), walletFile));
            return nullptr;
        }
    }
    int prev_version = walletInstance->nWalletVersion;