Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It discloses that the tool is paid ($0.05), that content is 'hashed and forgotten' (privacy-preserving), that a timestamped ledger record is produced, and that payment_tx must be passed after paying. It does not cover failure modes or confirmation behavior, but it provides substantial transparency.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.