Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint, so the safety profile is covered by structured data. The description contributes the returned field set (amount, remaining balance, due date, ownership), which is genuinely useful, but says nothing about behavior when the id is unknown or invalid.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.