fix: untouchable = frozen + reserved

frame/balances/src/impl_fungible.rs

@@ -79,19 +79,7 @@ impl<T: Config<I>, I: 'static> fungible::Inspect<T::AccountId> for Pallet<T, I>
 		if force == Polite {
 			// Frozen balance applies to total. Anything on hold therefore gets discounted from the
 			// limit given by the freezes.
-			untouchable = a.frozen;
-		}
-		// If we want to keep our provider ref..
-		if preservation == Preserve
-			// ..or we don't want the account to die and our provider ref is needed for it to live..
-			|| preservation == Protect && !a.free.is_zero() &&
-			frame_system::Pallet::<T>::providers(who) == 1
-			// ..or we don't care about the account dying but our provider ref is required..
-			|| preservation == Expendable && !a.free.is_zero() &&
-			!frame_system::Pallet::<T>::can_dec_provider(who)
-		{
-			// ..then the ED needed..
-			untouchable = untouchable.max(T::ExistentialDeposit::get());
+			untouchable = a.frozen.saturating_add(a.reserved);
 		}
 		// Liquid balance is what is neither on hold nor frozen/required for provider.
 		a.free.saturating_sub(untouchable)