Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and idempotentHint=true, so the safety profile is covered. The description adds the contextual detail that the balance is reported in rubles and is a remaining amount, but it does not disclose staleness, update behavior, or failure characteristics.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.