Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint/idempotentHint/destructiveHint=false, so the safety profile is partly covered. The description adds genuine value beyond that by enumerating the possible status outcomes and explicitly stating it is 'never authority to move money or proof of settlement', which tells the agent what the status does NOT grant.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.