Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the annotations, the description discloses meaningful behavior: deposits are validated against the daily rule, rejections include a reason, retries are allowed, there is a 3-per-day per-visitor limit, and nothing is ever erased. This goes well beyond readOnly/destructive hints and gives the agent an accurate mental model of side effects and failure modes.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.