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)
}
    
    fListen = gArgs.GetBoolArg("-listen", DEFAULT_LISTEN);
    fDiscover = gArgs.GetBoolArg("-discover", true);
    fRelayTxes = !gArgs.GetBoolArg("-blocksonly", DEFAULT_BLOCKSONLY);
    for (const std::string& strAddr : gArgs.GetArgs("-externalip")) {
        CService addrLocal;
        if (Lookup(strAddr.c_str(), addrLocal, GetListenPort(), fNameLookup) && addrLocal.IsValid())
            AddLocal(addrLocal, LOCAL_MANUAL);
        else
            return InitError(ResolveErrMsg("externalip", strAddr));
    }
#if ENABLE_ZMQ
    g_zmq_notification_interface = CZMQNotificationInterface::Create();
    if (g_zmq_notification_interface) {
        RegisterValidationInterface(g_zmq_notification_interface);
    }
#endif
    uint64_t nMaxOutboundLimit = 0; 
    uint64_t nMaxOutboundTimeframe = MAX_UPLOAD_TIMEFRAME;
    if (gArgs.IsArgSet("-maxuploadtarget")) {
        nMaxOutboundLimit = gArgs.GetArg("-maxuploadtarget", DEFAULT_MAX_UPLOAD_TARGET)*1024*1024;
    }
    
    fReindex = gArgs.GetBoolArg("-reindex", false);
    bool fReindexChainState = gArgs.GetBoolArg("-reindex-chainstate", false);
    
    int64_t nTotalCache = (gArgs.GetArg("-dbcache", nDefaultDbCache) << 20);
    nTotalCache = std::max(nTotalCache, nMinDbCache << 20); 
    nTotalCache = std::min(nTotalCache, nMaxDbCache << 20);