Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations by disclosing the whole downstream flow: the person must complete a live face check and pay on fastcac.com, the exact prices (₦1,000 slip, ₦500 NIN, ₦1,200 bundled), that results go only to the person, and that starting is free and charges nothing. This resolves the key ambiguity created by readOnlyHint=false paired with 'charges nothing'.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.