Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the annotations, the description reveals that this is a financial write operation, payment is deducted from the wallet, the agent must confirm details with the user before calling, and duplicate calls with the same idempotency context are safe. This is rich, actionable behavioral context and does not contradict the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.