Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of behavioral disclosure, but it only says 'Return... balances.' It does not reveal whether the operation is read-only, requires special permissions, has performance implications, or what edge cases exist. The verb 'Return' implies a read, but without annotations the agent cannot fully assess side effects or constraints.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.