Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden of behavioral disclosure. It mentions the output contents ('earnings, referrals, status') but does not disclose whether authentication is required, how invalid codes are handled, or any side effects. As a 'get' operation, read-only is implied, but details are sparse.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.