Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description correctly carries the behavioral burden and does disclose an important side effect ('the voucher itself remains isolated') and a requirement ('user approval required'). However, it does not explain the effect on the journal, reversibility, return value, or error behavior, so transparency is only partial.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.