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 (nMaxConnections < nUserMaxConnections)
        InitWarning(strprintf(_("Reducing -maxconnections from %d to %d, because of system limitations."), nUserMaxConnections, nMaxConnections));
    
    if (gArgs.IsArgSet("-debug")) {
        
        const std::vector<std::string> categories = gArgs.GetArgs("-debug");
        if (std::none_of(categories.begin(), categories.end(),
            [](std::string cat){return cat == "0" || cat == "none";})) {
            for (const auto& cat : categories) {
                if (!g_logger->EnableCategory(cat)) {
                    InitWarning(strprintf(_("Unsupported logging category %s=%s."), "-debug", cat));
                }
            }
        }
    }
    
    for (const std::string& cat : gArgs.GetArgs("-debugexclude")) {
        if (!g_logger->DisableCategory(cat)) {
            InitWarning(strprintf(_("Unsupported logging category %s=%s."), "-debugexclude", cat));
        }
    }
    
    int ratio = std::min<int>(std::max<int>(gArgs.GetArg("-checkmempool", chainparams.DefaultConsistencyChecks() ? 1 : 0), 0), 1000000);
    if (ratio != 0) {
        mempool.setSanityCheck(1.0 / ratio);
    }
    fCheckBlockIndex = gArgs.GetBoolArg("-checkblockindex", chainparams.DefaultConsistencyChecks());
    fCheckpointsEnabled = gArgs.GetBoolArg("-checkpoints", DEFAULT_CHECKPOINTS_ENABLED);
    hashAssumeValid = uint256S(gArgs.GetArg("-assumevalid", chainparams.GetConsensus().defaultAssumeValid.GetHex()));
    if (!hashAssumeValid.IsNull())