Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true, idempotentHint=false, and openWorldHint=true, so the mutation/irreversibility profile is covered structurally. The description adds one genuinely new behavioral fact, the $0.01 USDC fee per invocation, but omits auth/approval requirements and whether lock actions are reversible.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.