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I have a function:

function test(uint value) {
    if (balances[msg.sender] < value)
        return;

    balances[msg.sender] -= value;
}

*note: the above is for illustrative purposes only. Security and safe maths is not a concern.

I understand that reading from the blockchain only consume 0 gas, for View and Pure function.

So my question is: For the function above will I have to pay for gas if I have insufficient balance and return early (no transaction made).

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If no transaction is made then there is no fee; however, since there is no transaction, the balances[msg.sender] update wont be saved to the state.

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