`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 (nChangePosInOut == -1 && nSubtractFeeFromAmount == 0 && pick_new_inputs) {
                        unsigned int tx_size_with_change = nBytes + coin_selection_params.change_output_size + 2; 
                        CAmount fee_needed_with_change = GetMinimumFee(*this, tx_size_with_change, coin_control, nullptr);
                        CAmount minimum_value_for_change = GetDustThreshold(change_prototype_txout, discard_rate);
                        if (nFeeRet >= fee_needed_with_change + minimum_value_for_change) {
                            pick_new_inputs = false;
                            nFeeRet = fee_needed_with_change;
                            continue;
                        }
                    }
                    
                    if (nFeeRet > nFeeNeeded && nChangePosInOut != -1 && nSubtractFeeFromAmount == 0) {
                        CAmount extraFeePaid = nFeeRet - nFeeNeeded;
                        std::vector<CTxOut>::iterator change_position = txNew.vout.begin()+nChangePosInOut;
                        change_position->nValue += extraFeePaid;
                        nFeeRet -= extraFeePaid;
                    }
                    break; 
                }
                else if (!pick_new_inputs) {