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 (is_multiwallet) {
        if (gArgs.GetBoolArg("-upgradewallet", false)) {
            return InitError(strprintf("%s is only allowed with a single wallet file", "-upgradewallet"));
        }
    }
    if (gArgs.GetBoolArg("-sysperms", false))
        return InitError("-sysperms is not allowed in combination with enabled wallet functionality");
    if (gArgs.GetArg("-prune", 0) && gArgs.GetBoolArg("-rescan", false))
        return InitError(_("Rescans are not possible in pruned mode. You will need to use -reindex which will download the whole blockchain again."));
    if (::minRelayTxFee.GetFeePerK() > HIGH_TX_FEE_PER_KB)
        InitWarning(AmountHighWarn("-minrelaytxfee") + " " +
                    _("The wallet will avoid paying less than the minimum relay fee."));
    if (gArgs.IsArgSet("-maxtxfee"))
    {
        CAmount nMaxFee = 0;
        if (!ParseMoney(gArgs.GetArg("-maxtxfee", ""), nMaxFee))
            return InitError(AmountErrMsg("maxtxfee", gArgs.GetArg("-maxtxfee", "")));
        if (nMaxFee > HIGH_MAX_TX_FEE)
            InitWarning(_("-maxtxfee is set very high! Fees this large could be paid on a single transaction."));
        maxTxFee = nMaxFee;
        if (CFeeRate(maxTxFee, 1000) < ::minRelayTxFee)
        {
            return InitError(strprintf(_("Invalid amount for -maxtxfee=<amount>: '%s' (must be at least the minrelay fee of %s to prevent stuck transactions)"),
                                       gArgs.GetArg("-maxtxfee", ""), ::minRelayTxFee.ToString()));
        }
    }
    return true;
}
bool VerifyWallets(interfaces::Chain& chain, const std::vector<std::string>& wallet_files)