Bug was introduced in #13063 (80b4910f7d87983f50047074c3c2397b0a5c4e92) where #13097 made possible to get "hit" by that bug. Reported by @ken2812221 (https://github.com/bitcoin/bitcoin/pull/13097#issuecomment-398445833).
Dynamically loading a wallet informs the UI (and therefore makes the instance accessible) about the new wallet before all possible error cases where handled.
Easy to reproduce by starting bitcoin-qt --regtest --nowallet -usehd=0 then in the console enter loadwallet wallet.dat.
This PR will make sure only correctly initialised (loaded) wallets will appear in the UI.