fix: x/authz allow insufficient funds error (cosmos#11252)

## Description

Allow insufficient funds error for authz simulation


Closes: #XXXX



---

### Author Checklist

*All items are required. Please add a note to the item if the item is not applicable and
please add links to any relevant follow up issues.*

I have...

- [ ] included the correct [type prefix](https://github.com/commitizen/conventional-commit-types/blob/v3.0.0/index.json) in the PR title
- [ ] added `!` to the type prefix if API or client breaking change
- [ ] targeted the correct branch (see [PR Targeting](https://github.com/cosmos/cosmos-sdk/blob/master/CONTRIBUTING.md#pr-targeting))
- [ ] provided a link to the relevant issue or specification
- [ ] followed the guidelines for [building modules](https://github.com/cosmos/cosmos-sdk/blob/master/docs/building-modules)
- [ ] included the necessary unit and integration [tests](https://github.com/cosmos/cosmos-sdk/blob/master/CONTRIBUTING.md#testing)
- [ ] added a changelog entry to `CHANGELOG.md`
- [ ] included comments for [documenting Go code](https://blog.golang.org/godoc)
- [ ] updated the relevant documentation or specification
- [ ] reviewed "Files changed" and left comments if necessary
- [ ] confirmed all CI checks have passed

### Reviewers Checklist

*All items are required. Please add a note if the item is not applicable and please add
your handle next to the items reviewed if you only reviewed selected items.*

I have...

- [ ] confirmed the correct [type prefix](https://github.com/commitizen/conventional-commit-types/blob/v3.0.0/index.json) in the PR title
- [ ] confirmed `!` in the type prefix if API or client breaking change
- [ ] confirmed all author checklist items have been addressed 
- [ ] reviewed state machine logic
- [ ] reviewed API design and naming
- [ ] reviewed documentation is accurate
- [ ] reviewed tests and test coverage
- [ ] manually tested (if applicable)

CHANGELOG.md

@@ -213,6 +213,7 @@ Ref: https://keepachangelog.com/en/1.0.0/
 * (x/authz) [\#10633](https://github.com/cosmos/cosmos-sdk/pull/10633) Fixed authorization not found error when executing message.
 * [#11222](https://github.com/cosmos/cosmos-sdk/pull/11222) reject query with block height in the future
 * [#11229](https://github.com/cosmos/cosmos-sdk/pull/11229) Handled the error message of `transaction encountered error` from tendermint.
+* (x/authz) [\#11252](https://github.com/cosmos/cosmos-sdk/pull/11252) Allow insufficient funds error for authz simulation
 
 ### State Machine Breaking
 

x/authz/simulation/operations.go

@@ -250,7 +250,7 @@ func SimulateMsgExec(ak authz.AccountKeeper, bk authz.BankKeeper, k keeper.Keepe
 
 		msg := []sdk.Msg{banktype.NewMsgSend(granterAddr, granteeAddr, coins)}
 		authorization, err := targetGrant.GetAuthorization()
-		if err != nil{
+		if err != nil {
 			return simtypes.NoOpMsg(authz.ModuleName, TypeMsgExec, err.Error()), nil, err
 		}
 
@@ -259,17 +259,13 @@ func SimulateMsgExec(ak authz.AccountKeeper, bk authz.BankKeeper, k keeper.Keepe
 			return simtypes.NoOpMsg(authz.ModuleName, TypeMsgExec, "not a send authorization"), nil, nil
 		}
 
-		if sendAuth.SpendLimit.IsAllLTE(coins) {
-			return simtypes.NoOpMsg(authz.ModuleName, TypeMsgExec, "over spend limit"), nil, nil
-		}
-
-		res, err := sendAuth.Accept(ctx, msg[0])
+		_, err = sendAuth.Accept(ctx, msg[0])
 		if err != nil {
-			return simtypes.NoOpMsg(authz.ModuleName, TypeMsgExec, err.Error()), nil, err
-		}
-
-		if !res.Accept {
-			return simtypes.NoOpMsg(authz.ModuleName, TypeMsgExec, "expired or invalid grant"), nil, nil
+			if sdkerrors.ErrInsufficientFunds.Is(err) {
+				return simtypes.NoOpMsg(authz.ModuleName, TypeMsgExec, err.Error()), nil, nil
+			} else {
+				return simtypes.NoOpMsg(authz.ModuleName, TypeMsgExec, err.Error()), nil, err
+			}
 		}
 
 		msgExec := authz.NewMsgExec(granteeAddr, msg)
@@ -278,9 +274,9 @@ func SimulateMsgExec(ak authz.AccountKeeper, bk authz.BankKeeper, k keeper.Keepe
 		if err != nil {
 			return simtypes.NoOpMsg(authz.ModuleName, TypeMsgExec, "fee error"), nil, err
 		}
+
 		txCfg := simappparams.MakeTestEncodingConfig().TxConfig
 		granteeAcc := ak.GetAccount(ctx, granteeAddr)
-
 		tx, err := helpers.GenTx(
 			txCfg,
 			[]sdk.Msg{&msgExec},