Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the annotations, the description explains refund behavior, that the server tries to stop the letter, when the withdrawal right ends, the two-step confirm process, and that the user receives an e-mail. This adds substantial operational context for a destructive, externally visible action.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.