Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false and openWorldHint=false, so safety behavior needs no restating. The description adds scope detail (liquidation/receivership associations, risk level), but says nothing about data freshness, coverage limits, or what an unknown slug yields – and with an output schema present, the payload list is partly redundant.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.