Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral burden. It discloses the $0.02 payment requirement-elow crucial side effect—and states the return value. It does not mention failure modes (e.g., invalid payment_tx, already joined) or whether joining is idempotent, but the core financial 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.