Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of behavioral disclosure. It states the tool starts a transaction but doesn't explain what that entails—e.g., whether it locks resources, requires specific permissions, has side effects, or returns a transaction ID. This is a significant gap for a tool that likely involves state changes.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.