Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already flag destructiveHint=true and idempotentHint=true, but the description adds material context beyond them: the settlement precondition, the post-archive state (readable but rejects new expenses), and the human-confirmation requirement. Those are exactly the details an agent needs to avoid a premature irreversible call.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.