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)
{
        std::vector<CTxOut> v_txouts(txouts.size());
        std::copy(txouts.begin(), txouts.end(), v_txouts.begin());
        return DummySignTx(txNew, v_txouts, use_max_sig);
    }
    bool DummySignTx(CMutableTransaction &txNew, const std::vector<CTxOut> &txouts, bool use_max_sig = false) const;
    bool DummySignInput(CTxIn &tx_in, const CTxOut &txout, bool use_max_sig = false) const;
    CFeeRate m_pay_tx_fee{DEFAULT_PAY_TX_FEE};
    unsigned int m_confirm_target{DEFAULT_TX_CONFIRM_TARGET};
    bool m_spend_zero_conf_change{DEFAULT_SPEND_ZEROCONF_CHANGE};
    bool m_signal_rbf{DEFAULT_WALLET_RBF};
    bool m_allow_fallback_fee{true}; 
    CFeeRate m_min_fee{DEFAULT_TRANSACTION_MINFEE}; 
    /**
     * If fee estimation does not have enough data to provide estimates, use this fee instead.
     * Has no effect if not using fee estimation
     * Override with -fallbackfee
     */
    CFeeRate m_fallback_fee{DEFAULT_FALLBACK_FEE};
    CFeeRate m_discard_rate{DEFAULT_DISCARD_FEE};
    OutputType m_default_address_type{DEFAULT_ADDRESS_TYPE};
    OutputType m_default_change_type{DEFAULT_CHANGE_TYPE};
    bool NewKeyPool();
    size_t KeypoolCountExternalKeys() EXCLUSIVE_LOCKS_REQUIRED(cs_wallet);
    bool TopUpKeyPool(unsigned int kpSize = 0);
    /**
     * Reserves a key from the keypool and sets nIndex to its index
     *
     * @param[out] nIndex the index of the key in keypool
     * @param[out] keypool the keypool the key was drawn from, which could be the