Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only cover the generic safety profile (readOnlyHint=false, idempotentHint=false, destructiveHint=false); the description adds genuinely new behavior: wallet-only funding, the specific failure mode when balance is insufficient, the remediation path, and a financial confirmation warning. It goes well beyond what the structured fields disclose.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.