Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description bears full responsibility for behavioral disclosure. It only states what is returned (balance in pence) but omits any side effects, authorization requirements, rate limits, possible errors, or data freshness guarantees. The read-only nature is implied but not explicit.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.