`LockAnnotation lock(::cs_main)` is a guarantee to the compiler thread analysis that `::cs_main` is locked (when it couldn't be determined otherwise).

Despite being annotated with the locking guarantee ...

https://github.com/bitcoin/bitcoin/blob/65526fc8666fef35ef908dbc225f706bef642c7e/src/interfaces/chain.cpp#L134-L138

... `getTipLocator()` reads `chainActive` (via `::ChainActive()`) without holding `cs_main`.

This can be verified by adding the following `AssertLockHeld(cs_main)`:

```
$ git diff
diff --git a/src/interfaces/chain.cpp b/src/interfaces/chain.cpp
index 59623284d..9fc693a0f 100644
--- a/src/interfaces/chain.cpp
+++ b/src/interfaces/chain.cpp
@@ -134,6 +134,7 @@ class LockImpl : public Chain::Lock
     CBlockLocator getTipLocator() override
     {
         LockAnnotation lock(::cs_main);
+        AssertLockHeld(::cs_main);
         return ::ChainActive().GetLocator();
     }
     Optional<int> findLocatorFork(const CBlockLocator& locator) override
$ make check
../build-aux/test-driver: line 107: 12881 Aborted                 "$@" > $log_file 2>&1
FAIL: qt/test/test_bitcoin-qt
```
std::set<CInputCoin>& setCoinsRet, CAmount& nValueRet, const CoinSelectionParams& coin_selection_params, bool& bnb_used) const
{
    setCoinsRet.clear();
    nValueRet = 0;
    std::vector<OutputGroup> utxo_pool;
    if (coin_selection_params.use_bnb) {
        
        FeeCalculation feeCalc;
        CCoinControl temp;
        temp.m_confirm_target = 1008;
        CFeeRate long_term_feerate = GetMinimumFeeRate(*this, temp, &feeCalc);
        
        CAmount cost_of_change = GetDiscardRate(*this).GetFee(coin_selection_params.change_spend_size) + coin_selection_params.effective_fee.GetFee(coin_selection_params.change_output_size);
        
        for (OutputGroup& group : groups) {
            if (!group.EligibleForSpending(eligibility_filter)) continue;
            group.fee = 0;
            group.long_term_fee = 0;
            group.effective_value = 0;