Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the safety profile (readOnlyHint=false mutation, non-idempotent, openWorld). The description adds genuine behavior beyond that: the charge is drawn from wallet balance and, critically, the insufficient-balance path returns a magic top-up link rather than simply failing. That failure-mode disclosure is meaningful and not present in the structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.