Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of disclosing behavioral traits. It only states 'List bank accounts' and does not mention pagination (via 'top'), filtering (via 'business_id'), authentication, data scope, or any side effects. Since this is a list operation, the behavior is relatively simple, but the complete absence of behavioral context is a significant shortfall.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.