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 receiving a transaction outside a block, assign its timestamp to the
 *   current time.
 * - If receiving a block with a future timestamp, assign all its (not already
 *   known) transactions' timestamps to the current time.
 * - If receiving a block with a past timestamp, before the most recent known
 *   transaction (that we care about), assign all its (not already known)
 *   transactions' timestamps to the same timestamp as that most-recent-known
 *   transaction.
 * - If receiving a block with a past timestamp, but after the most recent known
 *   transaction, assign all its (not already known) transactions' timestamps to
 *   the block time.
 *
 * For more information see CWalletTx::nTimeSmart,
 * https:bitcointalk.org/?topic=54527, or
 * https:github.com/bitcoin/bitcoin/pull/1393.
 */
unsigned int CWallet::ComputeTimeSmart(const CWalletTx& wtx) const
{
    unsigned int nTimeSmart = wtx.nTimeReceived;
    if (!wtx.hashUnset()) {
        if (const CBlockIndex* pindex = LookupBlockIndex(wtx.hashBlock)) {
            int64_t latestNow = wtx.nTimeReceived;
            int64_t latestEntry = 0;
            
            int64_t latestTolerated = latestNow + 300;
            const TxItems& txOrdered = wtxOrdered;
            for (auto it = txOrdered.rbegin(); it != txOrdered.rend(); ++it) {
                CWalletTx* const pwtx = it->second;
                if (pwtx == &wtx) {
                    continue;