Each tool targets a clearly distinct operation: status is a live snapshot, audit is historical records, reset is session state management, protect gates a spend, and secret_get retrieves a credential. No two tools plausibly serve the same purpose, and the descriptions make the boundaries obvious.

The tools are all lowercase snake_case and mostly follow a domain-prefix pattern, with four sharing spend_ and one using secret_. The slight inconsistency is that the second segment mixes nouns and verbs, and secret_get breaks away from the spend_ namespace, so it is not as uniform as a strict verb_noun convention.

Five tools is well-scoped for a spending-defense utility: status, audit, reset, protect, and secret retrieval each cover a necessary function without redundancy. There are no filler tools or obvious bloat.

The set covers the core lifecycle well: protect a spend, inspect status, review audit trails, reset session amounts, and safely retrieve secrets. The main gap is configuration management such as setting budgets, whitelists, or blacklists, but agents can still work within the existing guardrails.