perf: Skip fetching account balances unless required

This is very expensive operation and not requried when just finding
default account and account info.

erpnext/accounts/doctype/journal_entry/journal_entry.py

@@ -1296,7 +1296,9 @@ class JournalEntry(AccountsController):
 
 
 @frappe.whitelist()
-def get_default_bank_cash_account(company, account_type=None, mode_of_payment=None, account=None):
+def get_default_bank_cash_account(
+	company, account_type=None, mode_of_payment=None, account=None, *, fetch_balance=True
+):
 	from erpnext.accounts.doctype.sales_invoice.sales_invoice import get_bank_cash_account
 
 	if mode_of_payment:
@@ -1330,15 +1332,14 @@ def get_default_bank_cash_account(company, account_type=None, mode_of_payment=No
 		account_details = frappe.get_cached_value(
 			"Account", account, ["account_currency", "account_type"], as_dict=1
 		)
-
-		return frappe._dict(
-			{
-				"account": account,
-				"balance": get_balance_on(account),
-				"account_currency": account_details.account_currency,
-				"account_type": account_details.account_type,
-			}
-		)
+		result = {
+			"account": account,
+			"account_currency": account_details.account_currency,
+			"account_type": account_details.account_type,
+		}
+		if fetch_balance:
+			result["balance"] = get_balance_on(account)
+		return frappe._dict(result)
 	else:
 		return frappe._dict()
 

erpnext/accounts/doctype/payment_entry/payment_entry.py

@@ -3305,11 +3305,16 @@ def get_bank_cash_account(doc, bank_account):
 		"Bank",
 		mode_of_payment=doc.get("mode_of_payment"),
 		account=bank_account,
+		fetch_balance=False,
 	)
 
 	if not bank:
 		bank = get_default_bank_cash_account(
-			doc.company, "Cash", mode_of_payment=doc.get("mode_of_payment"), account=bank_account
+			doc.company,
+			"Cash",
+			mode_of_payment=doc.get("mode_of_payment"),
+			account=bank_account,
+			fetch_balance=False,
 		)
 
 	return bank