Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral burden and it does disclose the important fact that it returns 'a signed receipt,' suggesting verifiability. However, it omits potential side effects and idempotency concerns, like whether an existing answer to the same question is overwritten or the consequences of signing.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.