Does the description clearly state what the tool does and how it differs from similar tools?
States a specific resource and scope: one wallet's complete payment history with this server, itemized by call, cost, 'door', and on-chain hash, plus totals. It clearly is a per-wallet expense/statement read, but it never distinguishes itself from near siblings like my_ledger or my_money, so an agent must infer the choice.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.