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)
LogPrintf("Assuming ancestors of block %s have valid signatures.\n", hashAssumeValid.GetHex());
    else
        LogPrintf("Validating signatures for all blocks.\n");
    if (gArgs.IsArgSet("-minimumchainwork")) {
        const std::string minChainWorkStr = gArgs.GetArg("-minimumchainwork", "");
        if (!IsHexNumber(minChainWorkStr)) {
            return InitError(strprintf("Invalid non-hex (%s) minimum chain work value specified", minChainWorkStr));
        }
        nMinimumChainWork = UintToArith256(uint256S(minChainWorkStr));
    } else {
        nMinimumChainWork = UintToArith256(chainparams.GetConsensus().nMinimumChainWork);
    }
    LogPrintf("Setting nMinimumChainWork=%s\n", nMinimumChainWork.GetHex());
    if (nMinimumChainWork < UintToArith256(chainparams.GetConsensus().nMinimumChainWork)) {
        LogPrintf("Warning: nMinimumChainWork set below default value of %s\n", chainparams.GetConsensus().nMinimumChainWork.GetHex());
    }
    
    int64_t nMempoolSizeMax = gArgs.GetArg("-maxmempool", DEFAULT_MAX_MEMPOOL_SIZE) * 1000000;
    int64_t nMempoolSizeMin = gArgs.GetArg("-limitdescendantsize", DEFAULT_DESCENDANT_SIZE_LIMIT) * 1000 * 40;
    if (nMempoolSizeMax < 0 || nMempoolSizeMax < nMempoolSizeMin)
        return InitError(strprintf(_("-maxmempool must be at least %d MB"), std::ceil(nMempoolSizeMin / 1000000.0)));
    
    
    if (gArgs.IsArgSet("-incrementalrelayfee"))
    {
        CAmount n = 0;
        if (!ParseMoney(gArgs.GetArg("-incrementalrelayfee", ""), n))
            return InitError(AmountErrMsg("incrementalrelayfee", gArgs.GetArg("-incrementalrelayfee", "")));
        incrementalRelayFee = CFeeRate(n);
    }