Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations provided, so description carries full burden. Verb '조회' (query/retrieve) implies read-only behavior, but description lacks disclosure of return format, whether balances are per-user or aggregate, temporal scope of 'current', or pagination behavior. No mention of rate limits or caching.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.