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)
* timestamp, and which will reset the wallet's nTimeFirstKey value to 1 if
     * the watch key did not previously have a timestamp associated with it.
     * Because this is an inherited virtual method, it is accessible despite
     * being marked private, but it is marked private anyway to encourage use
     * of the other AddWatchOnly which accepts a timestamp and sets
     * nTimeFirstKey more intelligently for more efficient rescans.
     */
    bool AddWatchOnly(const CScript& dest) override EXCLUSIVE_LOCKS_REQUIRED(cs_wallet);
    
    interfaces::Chain& m_chain;
    
    WalletLocation m_location;
    
    std::unique_ptr<WalletDatabase> database;
    /**
     * The following is used to keep track of how far behind the wallet is
     * from the chain sync, and to allow clients to block on us being caught up.
     *
     * Note that this is *not* how far we've processed, we may need some rescan
     * to have seen all transactions in the chain, but is only used to track
     * live BlockConnected callbacks.
     *
     * Protected by cs_main (see BlockUntilSyncedToCurrentChain)
     */
    const CBlockIndex* m_last_block_processed = nullptr;
public:
    /*
     * Main wallet lock.
     * This lock protects all the fields added by CWallet.
     */