We allow since 0.17 to create a wallet with the the name or dirprefix :“wallets”.
That might be not a good idea and we should discourage users to do that to prevent unexpected boating accidents and whale heart attacks.
edit@saibato The wallets subdir is not created when chain == ‘main’ by default to allow the node to support upgrading or using older walletdirs or datadirs created by older core releases, testing could not catch this since this effects only mannet nodes, -regtest behave different and there we don’t have this issue.