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)
uiInterface.InitMessage(_("Rescanning..."));
        walletInstance->WalletLogPrintf("Rescanning last %i blocks (from block %i)...\n", chainActive.Height() - pindexRescan->nHeight, pindexRescan->nHeight);
        
        
        while (pindexRescan && walletInstance->nTimeFirstKey && (pindexRescan->GetBlockTime() < (walletInstance->nTimeFirstKey - TIMESTAMP_WINDOW))) {
            pindexRescan = chainActive.Next(pindexRescan);
        }
        nStart = GetTimeMillis();
        {
            WalletRescanReserver reserver(walletInstance.get());
            const CBlockIndex *stop_block, *failed_block;
            if (!reserver.reserve() || (ScanResult::SUCCESS != walletInstance->ScanForWalletTransactions(pindexRescan, nullptr, reserver, failed_block, stop_block, true))) {
                InitError(_("Failed to rescan the wallet during initialization"));
                return nullptr;
            }
        }
        walletInstance->WalletLogPrintf("Rescan completed in %15dms\n", GetTimeMillis() - nStart);
        walletInstance->ChainStateFlushed(chainActive.GetLocator());
        walletInstance->database->IncrementUpdateCounter();
        
        if (gArgs.GetBoolArg("-zapwallettxes", false) && gArgs.GetArg("-zapwallettxes", "1") != "2")
        {
            WalletBatch batch(*walletInstance->database);
            for (const CWalletTx& wtxOld : vWtx)
            {
                uint256 hash = wtxOld.GetHash();
                std::map<uint256, CWalletTx>::iterator mi = walletInstance->mapWallet.find(hash);
                if (mi != walletInstance->mapWallet.end())
                {
                    const CWalletTx* copyFrom = &wtxOld;