Incorrect gas estimation when account has not enough ETH

@Gudahtt is already working on this.

Since Feb 2, 2021.

Gas fees are too high when tx has error. It showed correct gas fees before

**Steps to reproduce (REQUIRED)**
Steps to reproduce the behavior, libraries used with version number, and/or any setup information to easily reproduce:

1. Go to https://etherscan.io/address/0xc02aaa39b223fe8d0a0e5c4f27ead9083c756cc2#writeContract (wrapped ether)
2. Connect to web3 using metamask
3. Scroll down to "deposit" function
4. Try to execute tx with small ETH amount (0.001) - ETH amount should be less than in account - everything's ok. Gas estimation is ok (about 65k)
5. Try to execute tx with ETH amount you don't own - metamask will show correct error "insufficient funds", but gas estimation is like 11M and initial tx confirm page shows huge transaction fee (currently about 700$)

Also, note, this is not specific to this tx, but this happens for every tx without gas provided.

**Expected behavior**
Gas estimation should work correctly and gas fee should be the same as in correct tx.

**Screenshots**

**Browser details (please complete the following information):**
- OS: Linux, Mac OS
- Browser: Chrome, Firefox
- MetaMask Version: 9.0.3

** Workaround **
It is possible to calculate gas and send tx with correct gas to web3. This way everything works like it was before