Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish read-only, idempotent, closed-world behavior, so the description's job is to add what those hints cannot. It does: a concrete cost of 2 credits, disclosure that consensus lines appear only 'where posted', and a hard restriction on how the returned market information may be used. Missing only return-shape or volume expectations, which the output schema covers.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.