`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
```
if (internal) {
            chainChildKey.Derive(childKey, hdChain.nInternalChainCounter | BIP32_HARDENED_KEY_LIMIT);
            metadata.hdKeypath = "m/0'/1'/" + std::to_string(hdChain.nInternalChainCounter) + "'";
            metadata.key_origin.path.push_back(0 | BIP32_HARDENED_KEY_LIMIT);
            metadata.key_origin.path.push_back(1 | BIP32_HARDENED_KEY_LIMIT);
            metadata.key_origin.path.push_back(hdChain.nInternalChainCounter | BIP32_HARDENED_KEY_LIMIT);
            hdChain.nInternalChainCounter++;
        }
        else {
            chainChildKey.Derive(childKey, hdChain.nExternalChainCounter | BIP32_HARDENED_KEY_LIMIT);
            metadata.hdKeypath = "m/0'/0'/" + std::to_string(hdChain.nExternalChainCounter) + "'";
            metadata.key_origin.path.push_back(0 | BIP32_HARDENED_KEY_LIMIT);
            metadata.key_origin.path.push_back(0 | BIP32_HARDENED_KEY_LIMIT);
            metadata.key_origin.path.push_back(hdChain.nExternalChainCounter | BIP32_HARDENED_KEY_LIMIT);
            hdChain.nExternalChainCounter++;
        }
    } while (HaveKey(childKey.key.GetPubKey().GetID()));
    secret = childKey.key;
    metadata.hd_seed_id = hdChain.seed_id;
    CKeyID master_id = masterKey.key.GetPubKey().GetID();
    std::copy(master_id.begin(), master_id.begin() + 4, metadata.key_origin.fingerprint);
    metadata.has_key_origin = true;
    
    if (!batch.WriteHDChain(hdChain))
        throw std::runtime_error(std::string(__func__) + ": Writing HD chain model failed");
}
bool CWallet::AddKeyPubKeyWithDB(WalletBatch& batch, const CKey& secret, const CPubKey& pubkey)