Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries full burden for behavioral disclosure. 'Deposit into lending pool' implies a write/mutation operation but provides no information about permissions required, whether the operation is reversible, potential side effects, rate limits, or what happens on success/failure. This is inadequate for a financial transaction tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.