Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true and readOnlyHint=false, but the description adds value beyond them: it flags irreversibility, discloses the side effect of initiating a refund, and describes token validation failure modes. For a mutation tool, that is rich behavioral context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.