feat: improve balance check

[0xmountaintop]

1. Purpose or design rationale of this PR

remove insufficient balance tx from txpool

also credit to @hsyodyssey's #588

2. PR title

Your PR title must follow conventional commits (as we are doing squash merge for each PR), so it must start with one of the following types:

• build: Changes that affect the build system or external dependencies (example scopes: yarn, eslint, typescript)
• ci: Changes to our CI configuration files and scripts (example scopes: vercel, github, cypress)
• docs: Documentation-only changes
• feat: A new feature
• fix: A bug fix
• perf: A code change that improves performance
• refactor: A code change that doesn't fix a bug, or add a feature, or improves performance
• style: Changes that do not affect the meaning of the code (white-space, formatting, missing semi-colons, etc)
• test: Adding missing tests or correcting existing tests

3. Deployment tag versioning

Has the version in params/version.go been updated?

• This PR doesn't involve a new deployment, git tag, docker image tag, and it doesn't affect traces
• Yes

4. Breaking change label

Does this PR have the breaking-change label?

• This PR is not a breaking change
• Yes