Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries the full burden. 'Restore' implies a mutation operation, but it doesn't disclose behavioral traits such as required permissions, whether changes are reversible, error conditions (e.g., invalid card_id), or side effects. The description is minimal and lacks critical operational context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.