Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool's simplicity, a one-parameter schema, and no output schema, the description covers the core return categories (balance, earnings, spending, transactions). It ends slightly short of a 5 by not addressing whether there are pagination limits or explicit no-side-effect guarantees, but those are secondary for a read-only wallet query.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.