Fix bug validating recipient balance when sending Substrate token

[nampc1]

Describe the task

• Any token that requires a native token to keep alive will be blocked from sending

  • Actual: It is always forbidden to deposit tokens into an account with native token balance = 0
  • Expect: Only block sending tokens to accounts that require native token balance > 0

• Update compare logic

  • Actual: Comparing with Transferable balance
  • Expect: Comparing with Total balance

[nampc1]

#3473