Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond readOnlyHint=true, the description discloses pricing ('Free'), error behavior for unknown/unsettled ids (RECEIPT_NOT_FOUND), and a retention window (30 days after settlement). These are substantive operational facts an agent cannot get from the annotations or schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.