Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true and non-idempotent, but the description adds real context beyond that: what gets changed (financial records), the exact two-step confirmation protocol, the preview-then-commit sequence, and the required user agreement before any write. This is meaningful behavioral disclosure, not restatement.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.