`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
```
strFailReason = _("Transaction fee and change calculation failed");
                    return false;
                }
                
                if (nChangePosInOut != -1 && nSubtractFeeFromAmount == 0) {
                    CAmount additionalFeeNeeded = nFeeNeeded - nFeeRet;
                    std::vector<CTxOut>::iterator change_position = txNew.vout.begin()+nChangePosInOut;
                    
                    if (change_position->nValue >= MIN_FINAL_CHANGE + additionalFeeNeeded) {
                        change_position->nValue -= additionalFeeNeeded;
                        nFeeRet += additionalFeeNeeded;
                        break; 
                    }
                }
                
                
                if (nSubtractFeeFromAmount > 0) {
                    pick_new_inputs = false;
                }
                
                nFeeRet = nFeeNeeded;
                coin_selection_params.use_bnb = false;
                continue;
            }
        }
        if (nChangePosInOut == -1) reservekey.ReturnKey(); 
        
        txNew.vin.clear();
        std::vector<CInputCoin> selected_coins(setCoins.begin(), setCoins.end());