Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true and readOnlyHint=false, so the safety profile is partly covered. The description adds genuinely new behavioral context beyond that: withdrawal is terminal and irreversible, which is more specific than 'destructive' and directly affects agent decision-making. It does not mention permissions or side effects on related data, keeping it short of a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.