Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true and idempotentHint=true, but the description adds critical specifics beyond them: the wallet record, verification status, and balance history are deleted, and removing a verified wallet reduces the Proof of Funds ceiling. It also gives the important UX constraint never to expose the wallet_id UUID.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.