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 safety profile is covered structurally. The description usefully adds that wallet dollars are actually spent, which is not in the annotations, but omits that the spend is irreversible, that the full estimated budget may be charged, and what happens on failure.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.