Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries the full burden. It only states 'List available payment methods' without disclosing any behavioral traits such as read-only nature, authentication requirements, or expected outcome. This lack of detail limits the agent's understanding of side effects or constraints.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.