Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the destructiveHint annotation, the description explicitly states what will be deleted: 'the wallet record, its verification status, and associated balance history.' It also discloses the side effect on Proof of Funds ceiling. This gives the agent full awareness of consequences.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.