Why the destructive tool is a separate tool

MPP-13 closes a payment channel. The settlement is final, the channel cannot be reopened, and no later check can run against it.

An allowDestructive: true parameter would be a boolean an agent could set for itself, which is not human consent in any meaningful sense. Registration-time gating is stronger: the tool does not exist unless a person started the process intending it to. When it does exist it still requires destructiveChannel naming the channel it may close, and still refuses if the target's challenge advertises a different address.

The reasoning is in ../design/destructive-checks.md.