Steps to reproduce:

```
$ ./src/bitcoin-wallet -datadir=/tmp  info  -wallet=asdf
Wallet info
===========
Name: 
Format: bdb
Descriptors: no
Encrypted: no
HD (hd seed available): yes
Keypool Size: 2000
Transactions: 0
Address Book: 0
```

(See the mismatching wallet name!)

Compare to:

```
$ ./src/bitcoin-wallet -datadir=/tmp  -wallet=asdf info
Wallet info
===========
Name: asdf
Format: bdb
Descriptors: no
Encrypted: no
HD (hd seed available): yes
Keypool Size: 2000
Transactions: 0
Address Book: 0

{
    if (IsArgNegated("-settings")) {
        return false;
    }
    if (filepath) {
        std::string settings = GetArg("-settings", BITCOIN_SETTINGS_FILENAME);
        *filepath = fsbridge::AbsPathJoin(GetDataDir( true), temp ? settings + ".tmp" : settings);
    }
    return true;
}
static void SaveErrors(const std::vector<std::string> errors, std::vector<std::string>* error_out)
{
    for (const auto& error : errors) {
        if (error_out) {
            error_out->emplace_back(error);
        } else {
            LogPrintf("%s\n", error);
        }
    }
}
bool ArgsManager::ReadSettingsFile(std::vector<std::string>* errors)