Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true, idempotentHint=true and openWorldHint=true, so the safety profile is covered. The description adds genuinely new behavioral facts: the effect is a spend reduction, it acts on the provider, and a human approval gate applies before execution.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.