Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden and does: nothing is charged by the call, a payment link is returned that a PERSON must open, the listing is human-reviewed, refunds are available if the product isn't a fit, and payment does not affect rankings. These are precisely the side effects and policy details an agent must know before invoking.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.