Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given there is no output schema, the description should clarify what the return value looks like, but it only says 'balance' without specifying whether it's a number, string, formatted currency, etc. It also does not explain how the optional currency parameter affects the result or what the default behavior is. Important context is missing.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.