Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already flag destructiveHint=true and idempotentHint=true, so the description adds real value beyond them: immediate loss of access, API keys and connected apps ceasing to work, and the retention guarantee that transfers stay in the account. It also discloses the owner-only authorization requirement, which no annotation conveys.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.