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)
LOCK(pwallet->cs_wallet);
    UniValue ret(UniValue::VOBJ);
    CTxDestination dest = DecodeDestination(request.params[0].get_str());
    
    if (!IsValidDestination(dest)) {
        throw JSONRPCError(RPC_INVALID_ADDRESS_OR_KEY, "Invalid address");
    }
    std::string currentAddress = EncodeDestination(dest);
    ret.pushKV("address", currentAddress);
    CScript scriptPubKey = GetScriptForDestination(dest);
    ret.pushKV("scriptPubKey", HexStr(scriptPubKey.begin(), scriptPubKey.end()));
    isminetype mine = IsMine(*pwallet, dest);
    ret.pushKV("ismine", bool(mine & ISMINE_SPENDABLE));
    bool solvable = IsSolvable(*pwallet, scriptPubKey);
    ret.pushKV("solvable", solvable);
    if (solvable) {
       ret.pushKV("desc", InferDescriptor(scriptPubKey, *pwallet)->ToString());
    }
    ret.pushKV("iswatchonly", bool(mine & ISMINE_WATCH_ONLY));
    ret.pushKV("solvable", IsSolvable(*pwallet, scriptPubKey));
    UniValue detail = DescribeWalletAddress(pwallet, dest);
    ret.pushKVs(detail);
    if (pwallet->mapAddressBook.count(dest)) {
        ret.pushKV("label", pwallet->mapAddressBook[dest].name);
    }
    ret.pushKV("ischange", pwallet->IsChange(scriptPubKey));
    const CKeyMetadata* meta = nullptr;
    CKeyID key_id = GetKeyForDestination(*pwallet, dest);
    if (!key_id.IsNull()) {
        auto it = pwallet->mapKeyMetadata.find(key_id);