Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint/idempotent/destructive, but the description adds substantial operational context beyond them: chain scope (Ethereum, Base, Robinhood only), EIP-1167/EIP-7702-only detection, latency (~1 s), error semantics (bad address = 422, not charged), price ($0.001) and free-tier quota. This is well above the bar set by the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.