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("Using data directory %s\n", GetDataDir().string());
    
    fs::path config_file_path = GetConfigFile(gArgs.GetArg("-conf", BITCOIN_CONF_FILENAME));
    if (fs::exists(config_file_path)) {
        LogPrintf("Config file: %s\n", config_file_path.string());
    } else if (gArgs.IsArgSet("-conf")) {
        
        InitWarning(strprintf(_("The specified config file %s does not exist\n"), config_file_path.string()));
    } else {
        
        LogPrintf("Config file: %s (not found, skipping)\n", config_file_path.string());
    }
    LogPrintf("Using at most %i automatic connections (%i file descriptors available)\n", nMaxConnections, nFD);
    
    if (gArgs.IsArgSet("-datadir") && !fs::path(gArgs.GetArg("-datadir", "")).is_absolute()) {
        LogPrintf("Warning: relative datadir option '%s' specified, which will be interpreted relative to the " 
                  "current working directory '%s'. This is fragile, because if bitcoin is started in the future "
                  "from a different location, it will be unable to locate the current data files. There could "
                  "also be data loss if bitcoin is started while in a temporary directory.\n",
            gArgs.GetArg("-datadir", ""), fs::current_path().string());
    }
    InitSignatureCache();
    InitScriptExecutionCache();
    LogPrintf("Using %u threads for script verification\n", nScriptCheckThreads);
    if (nScriptCheckThreads) {
        for (int i=0; i<nScriptCheckThreads-1; i++)
            threadGroup.create_thread(&ThreadScriptCheck);
    }
    
    CScheduler::Function serviceLoop = boost::bind(&CScheduler::serviceQueue, &scheduler);