Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does disclose the key side effect: paid money is returned to balance, and the operation only works before the order starts. It says nothing about irreversibility, whether the refund is immediate, permissions required, or what happens if the order has already started.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.