Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the readOnlyHint and idempotentHint annotations, the description discloses important behavioral traits: no transfer, no per-account event, and nothing in tx history, plus explicit flagging of downward moves. It also covers auth and rate-limit context (x-credit-token header, free tier), which annotations do not provide.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.