Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructive=true, idempotent=false and openWorld=true, and the description adds genuinely new behavioral facts: it spends wallet funds, submits an irreversible external transaction, and must not be retried blindly. It also requires confirming meter, amount, reference and recipient before invocation, which no annotation conveys.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.