Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden for a mutation tool. It implies a refund is issued and that the call is free, but says nothing about whether cancellation is reversible, whether the refund is immediate or conditional, what happens if the order is already completed, or what authentication/permissions are needed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.