`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 (change_type != OutputType::CHANGE_AUTO) {
        return change_type;
    }
    
    
    if (m_default_address_type == OutputType::LEGACY) {
        return OutputType::LEGACY;
    }
    
    
    for (const auto& recipient : vecSend) {
        
        int witnessversion = 0;
        std::vector<unsigned char> witnessprogram;
        if (recipient.scriptPubKey.IsWitnessProgram(witnessversion, witnessprogram)) {
            return OutputType::BECH32;
        }
    }
    
    return m_default_address_type;
}
bool CWallet::CreateTransaction(interfaces::Chain::Lock& locked_chain, const std::vector<CRecipient>& vecSend, CTransactionRef& tx, CReserveKey& reservekey, CAmount& nFeeRet,