Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so safety is covered structurally. The description adds the useful boundary that financial changes happen on the website, but says nothing about result size, pagination behavior, or what 'recent' means for top-ups, leaving real behavioral gaps.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.