auth: allow 0 coin accounts in genesis (bp #8714)

[mergify]

This is an automatic backport of pull request #8714 done by Mergify.

Cherry-pick of a786830 has failed:

On branch mergify/bp/release/v0.41.x/pr-8714
Your branch is up to date with 'origin/release/v0.41.x'.

You are currently cherry-picking commit a786830bb.
  (fix conflicts and run "git cherry-pick --continue")
  (use "git cherry-pick --skip" to skip this patch)
  (use "git cherry-pick --abort" to cancel the cherry-pick operation)

Changes to be committed:
	modified:   x/bank/types/balance.go
	modified:   x/bank/types/balance_test.go

Unmerged paths:
  (use "git add <file>..." to mark resolution)
	both modified:   x/bank/types/genesis_test.go

To fixup this pull request, you can check out it locally. See documentation: https://help.github.com/articles/checking-out-pull-requests-locally/

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[codecov]

Codecov Report

Merging #8716 (06e6cca) into release/v0.41.x (2a5818c) will increase coverage by 0.00%.
The diff coverage is 57.57%.

@@                Coverage Diff                @@
##           release/v0.41.x    #8716    +/-   ##
=================================================
  Coverage            61.93%   61.93%            
=================================================
  Files                  611      611            
  Lines                35250    35357   +107     
=================================================
+ Hits                 21831    21900    +69     
- Misses               11136    11158    +22     
- Partials              2283     2299    +16     

Impacted Files	Coverage Δ
baseapp/grpcserver.go	2.70% <0.00%> (+0.13%)	⬆️
store/rootmulti/store.go	66.05% <0.00%> (ø)
testutil/network/network.go	90.54% <0.00%> (ø)
x/bank/types/balance.go	60.71% <ø> (-2.62%)	⬇️
x/staking/keeper/keeper.go	56.66% <ø> (-1.40%)	⬇️
x/staking/keeper/validator.go	80.52% <ø> (+0.03%)	⬆️
client/grpc_query.go	29.16% <40.00%> (+0.90%)	⬆️
baseapp/grpcrouter.go	80.00% <50.00%> (-6.05%)	⬇️
x/auth/client/cli/tx_multisign.go	64.67% <66.11%> (+2.99%)	⬆️
codec/types/any.go	64.00% <100.00%> (+3.13%)	⬆️
... and 9 more