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 (IsInitialBlockDownload()) {
        throw JSONRPCError(RPC_CLIENT_IN_INITIAL_DOWNLOAD, "Cannot set a new HD seed while still in Initial Block Download");
    }
    auto locked_chain = pwallet->chain().lock();
    LOCK(pwallet->cs_wallet);
    
    if (!pwallet->IsHDEnabled()) {
        throw JSONRPCError(RPC_WALLET_ERROR, "Cannot set a HD seed on a non-HD wallet. Start with -upgradewallet in order to upgrade a non-HD wallet to HD");
    }
    EnsureWalletIsUnlocked(pwallet);
    bool flush_key_pool = true;
    if (!request.params[0].isNull()) {
        flush_key_pool = request.params[0].get_bool();
    }
    CPubKey master_pub_key;
    if (request.params[1].isNull()) {
        master_pub_key = pwallet->GenerateNewSeed();
    } else {
        CKey key = DecodeSecret(request.params[1].get_str());
        if (!key.IsValid()) {
            throw JSONRPCError(RPC_INVALID_ADDRESS_OR_KEY, "Invalid private key");
        }
        if (HaveKey(*pwallet, key)) {
            throw JSONRPCError(RPC_INVALID_ADDRESS_OR_KEY, "Already have this key (either as an HD seed or as a loose private key)");
        }
        master_pub_key = pwallet->DeriveNewSeed(key);
    }
    pwallet->SetHDSeed(master_pub_key);
    if (flush_key_pool) pwallet->NewKeyPool();