Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnly/idempotent/non-destructive, yet the description adds substantial behavior beyond them: per-address and per-call pricing with a minimum, error semantics (422 naming the offending index, not charged), latency (~0.5 s for 1,000), data-handling (submitted text never logged or stored), and honest limitations (non-match does not clear an address; not legal advice; verify at OFAC). That is exactly the kind of context structured fields cannot carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.