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)
if (nFeeNeeded < ::minRelayTxFee.GetFee(nBytes))
                {
                    strFailReason = _("Transaction too large for fee policy");
                    return false;
                }
                if (nFeeRet >= nFeeNeeded) {
                    
                    
                    
                    
                    
                    
                    
                    
                    
                    if (nChangePosInOut == -1 && nSubtractFeeFromAmount == 0 && pick_new_inputs) {
                        unsigned int tx_size_with_change = nBytes + coin_selection_params.change_output_size + 2; 
                        CAmount fee_needed_with_change = GetMinimumFee(*this, tx_size_with_change, coin_control, ::mempool, ::feeEstimator, nullptr);
                        CAmount minimum_value_for_change = GetDustThreshold(change_prototype_txout, discard_rate);
                        if (nFeeRet >= fee_needed_with_change + minimum_value_for_change) {
                            pick_new_inputs = false;
                            nFeeRet = fee_needed_with_change;
                            continue;
                        }
                    }
                    
                    if (nFeeRet > nFeeNeeded && nChangePosInOut != -1 && nSubtractFeeFromAmount == 0) {
                        CAmount extraFeePaid = nFeeRet - nFeeNeeded;