Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool's simplicity (one parameter, no output schema), the description covers the main purpose, usage frequency, return types, and a key behavioral trait (low_balance). It lacks parameter description, but the session_token is somewhat self-explanatory. Overall, it is fairly complete for a simple tool, though a note on error conditions would round it out.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.