Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the transparency burden. It discloses the financial nature, exact cost, network, and important pricing exceptions. The warning 'Not auto-income' is particularly useful because it prevents an agent from misrepresenting the kit as a source of automatic income. It stops short of describing post-payment effects or irreversibility, but the core monetary behavior is explicit.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.