dont calculate TransferableBalance when balance is 0 #614
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Issue description
After recent changes, we encountered an issue where accounts with a zero balance resulted in a negative transferable balance, specifically -0.00 (See image in the #609).
The cause
For accounts with a free balance of 0,
calculateTransferableBalancecan produce a negative value (specifically -0.001) because the EXISTENTIAL_DEPOSIT is set to 0.001, causing a deduction even when the free balance is zero.