Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover only readOnly/openWorld, and the description goes well beyond them: it discloses value lag of 1-2 years, omission of years with no published value, and full pricing/auth behavior ($0.002 USDC per successful call via x402 on Base/Solana/Arc, no charge on failure). This is exactly the kind of behavioral context structured fields don't carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.