Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description must disclose behavioral traits. It only states 'retrieve all transactions' but lacks details about pagination, limits, side effects, or read-only nature. As a read operation, it should clarify that data is safe to retrieve without modifications.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.