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)
auto locked_chain = pwallet->chain().lock();
    LOCK(pwallet->cs_wallet);
    if (!pwallet->IsCrypted()) {
        throw JSONRPCError(RPC_WALLET_WRONG_ENC_STATE, "Error: running with an unencrypted wallet, but walletlock was called.");
    }
    pwallet->Lock();
    pwallet->nRelockTime = 0;
    return NullUniValue;
}
static UniValue encryptwallet(const JSONRPCRequest& request)
{
    std::shared_ptr<CWallet> const wallet = GetWalletForJSONRPCRequest(request);
    CWallet* const pwallet = wallet.get();
    if (!EnsureWalletIsAvailable(pwallet, request.fHelp)) {
        return NullUniValue;
    }
    if (request.fHelp || request.params.size() != 1) {
        throw std::runtime_error(
            RPCHelpMan{"encryptwallet",
                "\nEncrypts the wallet with 'passphrase'. This is for first time encryption.\n"
                "After this, any calls that interact with private keys such as sending or signing \n"
                "will require the passphrase to be set prior the making these calls.\n"
                "Use the walletpassphrase call for this, and then walletlock call.\n"
                "If the wallet is already encrypted, use the walletpassphrasechange call.\n",
                {
                    {"passphrase", RPCArg::Type::STR,  false,  "", "The pass phrase to encrypt the wallet with. It must be at least 1 character, but should be long."},
                }}
                .ToString() +
            "\nExamples:\n"
            "\nEncrypt your wallet\n"