Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations exist, so the description carries the full behavioral burden. It usefully discloses the cost consequence of not calling it ('so credits stop running'), which is real context beyond the name, but it omits idempotency, what happens if no session is open, and whether any in-flight state is discarded.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.