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 (gArgs.GetBoolArg("-upgradewallet", fFirstRun))
    {
        int nMaxVersion = gArgs.GetArg("-upgradewallet", 0);
        if (nMaxVersion == 0) 
        {
            walletInstance->WalletLogPrintf("Performing wallet upgrade to %i\n", FEATURE_LATEST);
            nMaxVersion = FEATURE_LATEST;
            walletInstance->SetMinVersion(FEATURE_LATEST); 
        }
        else
            walletInstance->WalletLogPrintf("Allowing wallet upgrade up to %i\n", nMaxVersion);
        if (nMaxVersion < walletInstance->GetVersion())
        {
            InitError(_("Cannot downgrade wallet"));
            return nullptr;
        }
        walletInstance->SetMaxVersion(nMaxVersion);
    }
    
    if (gArgs.GetBoolArg("-upgradewallet", false)) {
        LOCK(walletInstance->cs_wallet);
        
        int max_version = walletInstance->nWalletVersion;
        if (!walletInstance->CanSupportFeature(FEATURE_HD_SPLIT) && max_version >=FEATURE_HD_SPLIT && max_version < FEATURE_PRE_SPLIT_KEYPOOL) {
            InitError(_("Cannot upgrade a non HD split wallet without upgrading to support pre split keypool. Please use -upgradewallet=169900 or -upgradewallet with no version specified."));
            return nullptr;
        }
        bool hd_upgrade = false;
        bool split_upgrade = false;
        if (walletInstance->CanSupportFeature(FEATURE_HD) && !walletInstance->IsHDEnabled()) {