Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral burden. It explains what checking the balance relates to—credits that settle orders instantly—and confirms the tool performs a check rather than a purchase or mutation. It could explicitly state the response format, but the read-only nature is strongly implied.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.