`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
```
return false;
                    }
                    txNew.vout.push_back(txout);
                }
                
                bool bnb_used;
                if (pick_new_inputs) {
                    nValueIn = 0;
                    setCoins.clear();
                    int change_spend_size = CalculateMaximumSignedInputSize(change_prototype_txout, this);
                    
                    
                    if (change_spend_size == -1) {
                        coin_selection_params.change_spend_size = DUMMY_NESTED_P2WPKH_INPUT_SIZE;
                    } else {
                        coin_selection_params.change_spend_size = (size_t)change_spend_size;
                    }
                    coin_selection_params.effective_fee = nFeeRateNeeded;
                    if (!SelectCoins(vAvailableCoins, nValueToSelect, setCoins, nValueIn, coin_control, coin_selection_params, bnb_used))
                    {
                        
                        if (bnb_used) {
                            coin_selection_params.use_bnb = false;
                            continue;
                        }
                        else {
                            strFailReason = _("Insufficient funds");
                            return false;
                        }
                    }