Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full behavioral burden. It usefully discloses that settlement is optional and that a settlement summary is returned, but it omits whether closing is irreversible, what happens to associated bookings or escrow, and what error conditions exist for an already-closed session.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.