Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden and does disclose meaningful behavior: billing per the pricing sheet and that 'Denied requests never consume allowance.' However, it omits important side-effect details such as whether accepted requests mutate the ledger immediately, what permissions are required, and what the response looks like.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.