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)
"                             to which you're sending the transaction. This is not part of the \n"
            "                             transaction, just kept in your wallet."},
                    {"subtractfeefromamount", RPCArg::Type::BOOL,  true,  "false", "The fee will be deducted from the amount being sent.\n"
            "                             The recipient will receive less bitcoins than you enter in the amount field."},
                    {"replaceable", RPCArg::Type::BOOL,  true,  "fallback to wallet's default", "Allow this transaction to be replaced by a transaction with higher fees via BIP 125"},
                    {"conf_target", RPCArg::Type::NUM,  true,  "fallback to wallet's default", "Confirmation target (in blocks)"},
                    {"estimate_mode", RPCArg::Type::STR,  true,  "UNSET", "The fee estimate mode, must be one of:\n"
            "       \"UNSET\"\n"
            "       \"ECONOMICAL\"\n"
            "       \"CONSERVATIVE\""},
                }}
                .ToString() +
            "\nResult:\n"
            "\"txid\"                  (string) The transaction id.\n"
            "\nExamples:\n"
            + HelpExampleCli("sendtoaddress", "\"1M72Sfpbz1BPpXFHz9m3CdqATR44Jvaydd\" 0.1")
            + HelpExampleCli("sendtoaddress", "\"1M72Sfpbz1BPpXFHz9m3CdqATR44Jvaydd\" 0.1 \"donation\" \"seans outpost\"")
            + HelpExampleCli("sendtoaddress", "\"1M72Sfpbz1BPpXFHz9m3CdqATR44Jvaydd\" 0.1 \"\" \"\" true")
            + HelpExampleRpc("sendtoaddress", "\"1M72Sfpbz1BPpXFHz9m3CdqATR44Jvaydd\", 0.1, \"donation\", \"seans outpost\"")
        );
    
    
    pwallet->BlockUntilSyncedToCurrentChain();
    auto locked_chain = pwallet->chain().lock();
    LOCK(pwallet->cs_wallet);
    CTxDestination dest = DecodeDestination(request.params[0].get_str());
    if (!IsValidDestination(dest)) {
        throw JSONRPCError(RPC_INVALID_ADDRESS_OR_KEY, "Invalid address");
    }