diff --git a/x/auth/ante/ante_test.go b/x/auth/ante/ante_test.go
index 2c5bf1a47180..9b268b1ec60d 100644
--- a/x/auth/ante/ante_test.go
+++ b/x/auth/ante/ante_test.go
@@ -7,6 +7,10 @@ import (
 	"strings"
 	"testing"
 
+	"github.com/cosmos/cosmos-sdk/simapp"
+
+	minttypes "github.com/cosmos/cosmos-sdk/x/mint/types"
+
 	"github.com/stretchr/testify/require"
 
 	"github.com/cosmos/cosmos-sdk/crypto/keys/ed25519"
@@ -23,7 +27,7 @@ import (
 
 // Test that simulate transaction accurately estimates gas cost
 func (suite *AnteTestSuite) TestSimulateGasCost() {
-	suite.SetupTest(true) // reset
+	suite.SetupTest(false) // reset
 
 	// Same data for every test cases
 	accounts := suite.CreateTestAccounts(3)
@@ -76,7 +80,7 @@ func (suite *AnteTestSuite) TestSimulateGasCost() {
 
 // Test various error cases in the AnteHandler control flow.
 func (suite *AnteTestSuite) TestAnteHandlerSigErrors() {
-	suite.SetupTest(true) // reset
+	suite.SetupTest(false) // reset
 
 	// Same data for every test cases
 	priv0, _, addr0 := testdata.KeyTestPubAddr()
@@ -137,7 +141,9 @@ func (suite *AnteTestSuite) TestAnteHandlerSigErrors() {
 			func() {
 				acc1 := suite.app.AccountKeeper.NewAccountWithAddress(suite.ctx, addr0)
 				suite.app.AccountKeeper.SetAccount(suite.ctx, acc1)
-				err := suite.app.BankKeeper.SetBalances(suite.ctx, addr0, feeAmount) // TODO(fdymylja): IDK
+				err := suite.app.BankKeeper.MintCoins(suite.ctx, minttypes.ModuleName, feeAmount)
+				suite.Require().NoError(err)
+				err = suite.app.BankKeeper.SendCoinsFromModuleToAccount(suite.ctx, minttypes.ModuleName, addr0, feeAmount)
 				suite.Require().NoError(err)
 			},
 			false,
@@ -435,7 +441,7 @@ func (suite *AnteTestSuite) TestAnteHandlerSequences() {
 
 // Test logic around fee deduction.
 func (suite *AnteTestSuite) TestAnteHandlerFees() {
-	suite.SetupTest(true) // setup
+	suite.SetupTest(false) // setup
 
 	// Same data for every test cases
 	priv0, _, addr0 := testdata.KeyTestPubAddr()
@@ -466,7 +472,8 @@ func (suite *AnteTestSuite) TestAnteHandlerFees() {
 		{
 			"signer does not have enough funds to pay the fee",
 			func() {
-				suite.app.BankKeeper.SetBalances(suite.ctx, addr0, sdk.NewCoins(sdk.NewInt64Coin("atom", 149))) // TODO(fdymylja): IDK
+				err := simapp.FundAccount(suite.app, suite.ctx, addr0, sdk.NewCoins(sdk.NewInt64Coin("atom", 149)))
+				suite.Require().NoError(err)
 			},
 			false,
 			false,
@@ -475,12 +482,14 @@ func (suite *AnteTestSuite) TestAnteHandlerFees() {
 		{
 			"signer as enough funds, should pass",
 			func() {
+				accNums = []uint64{7}
 				modAcc := suite.app.AccountKeeper.GetModuleAccount(suite.ctx, types.FeeCollectorName)
 
 				suite.Require().True(suite.app.BankKeeper.GetAllBalances(suite.ctx, modAcc.GetAddress()).Empty())
 				require.True(sdk.IntEq(suite.T(), suite.app.BankKeeper.GetAllBalances(suite.ctx, addr0).AmountOf("atom"), sdk.NewInt(149)))
 
-				suite.app.BankKeeper.SetBalances(suite.ctx, addr0, sdk.NewCoins(sdk.NewInt64Coin("atom", 150))) // TODO(fdymylja): IDK
+				err := simapp.FundAccount(suite.app, suite.ctx, addr0, sdk.NewCoins(sdk.NewInt64Coin("atom", 1)))
+				suite.Require().NoError(err)
 			},
 			false,
 			true,
@@ -960,7 +969,7 @@ func TestCountSubkeys(t *testing.T) {
 }
 
 func (suite *AnteTestSuite) TestAnteHandlerSigLimitExceeded() {
-	suite.SetupTest(true) // setup
+	suite.SetupTest(false) // setup
 
 	// Same data for every test cases
 	accounts := suite.CreateTestAccounts(8)
@@ -997,7 +1006,7 @@ func (suite *AnteTestSuite) TestAnteHandlerSigLimitExceeded() {
 
 // Test custom SignatureVerificationGasConsumer
 func (suite *AnteTestSuite) TestCustomSignatureVerificationGasConsumer() {
-	suite.SetupTest(true) // setup
+	suite.SetupTest(false) // setup
 
 	// setup an ante handler that only accepts PubKeyEd25519
 	suite.anteHandler = ante.NewAnteHandler(suite.app.AccountKeeper, suite.app.BankKeeper, func(meter sdk.GasMeter, sig signing.SignatureV2, params types.Params) error {
@@ -1047,7 +1056,7 @@ func (suite *AnteTestSuite) TestCustomSignatureVerificationGasConsumer() {
 }
 
 func (suite *AnteTestSuite) TestAnteHandlerReCheck() {
-	suite.SetupTest(true) // setup
+	suite.SetupTest(false) // setup
 	// Set recheck=true
 	suite.ctx = suite.ctx.WithIsReCheckTx(true)
 	suite.txBuilder = suite.clientCtx.TxConfig.NewTxBuilder()
@@ -1120,7 +1129,9 @@ func (suite *AnteTestSuite) TestAnteHandlerReCheck() {
 
 	// remove funds for account so antehandler fails on recheck
 	suite.app.AccountKeeper.SetAccount(suite.ctx, accounts[0].acc)
-	suite.app.BankKeeper.SetBalances(suite.ctx, accounts[0].acc.GetAddress(), sdk.NewCoins()) // TODO(fdymylja): IDK
+	balances := suite.app.BankKeeper.GetAllBalances(suite.ctx, accounts[0].acc.GetAddress())
+	err = suite.app.BankKeeper.SendCoinsFromAccountToModule(suite.ctx, accounts[0].acc.GetAddress(), minttypes.ModuleName, balances)
+	suite.Require().NoError(err)
 
 	_, err = suite.anteHandler(suite.ctx, tx, false)
 	suite.Require().NotNil(err, "antehandler on recheck did not fail once feePayer no longer has sufficient funds")
diff --git a/x/auth/ante/fee_test.go b/x/auth/ante/fee_test.go
index f7c0eb9b6ece..343e814583d2 100644
--- a/x/auth/ante/fee_test.go
+++ b/x/auth/ante/fee_test.go
@@ -2,8 +2,8 @@ package ante_test
 
 import (
 	cryptotypes "github.com/cosmos/cosmos-sdk/crypto/types"
+	"github.com/cosmos/cosmos-sdk/simapp"
 	"github.com/cosmos/cosmos-sdk/testutil/testdata"
-
 	sdk "github.com/cosmos/cosmos-sdk/types"
 	"github.com/cosmos/cosmos-sdk/x/auth/ante"
 )
@@ -61,7 +61,7 @@ func (suite *AnteTestSuite) TestEnsureMempoolFees() {
 }
 
 func (suite *AnteTestSuite) TestDeductFees() {
-	suite.SetupTest(true) // setup
+	suite.SetupTest(false) // setup
 	suite.txBuilder = suite.clientCtx.TxConfig.NewTxBuilder()
 
 	// keys and addresses
@@ -82,7 +82,9 @@ func (suite *AnteTestSuite) TestDeductFees() {
 	// Set account with insufficient funds
 	acc := suite.app.AccountKeeper.NewAccountWithAddress(suite.ctx, addr1)
 	suite.app.AccountKeeper.SetAccount(suite.ctx, acc)
-	suite.app.BankKeeper.SetBalances(suite.ctx, addr1, sdk.NewCoins(sdk.NewCoin("atom", sdk.NewInt(10)))) // TODO(fdymylja): IDK
+	coins := sdk.NewCoins(sdk.NewCoin("atom", sdk.NewInt(10)))
+	err = simapp.FundAccount(suite.app, suite.ctx, addr1, coins)
+	suite.Require().NoError(err)
 
 	dfd := ante.NewDeductFeeDecorator(suite.app.AccountKeeper, suite.app.BankKeeper)
 	antehandler := sdk.ChainAnteDecorators(dfd)
@@ -93,7 +95,8 @@ func (suite *AnteTestSuite) TestDeductFees() {
 
 	// Set account with sufficient funds
 	suite.app.AccountKeeper.SetAccount(suite.ctx, acc)
-	suite.app.BankKeeper.SetBalances(suite.ctx, addr1, sdk.NewCoins(sdk.NewCoin("atom", sdk.NewInt(200))))
+	err = simapp.FundAccount(suite.app, suite.ctx, addr1, sdk.NewCoins(sdk.NewCoin("atom", sdk.NewInt(200))))
+	suite.Require().NoError(err)
 
 	_, err = antehandler(suite.ctx, tx, false)
 
diff --git a/x/auth/ante/testutil_test.go b/x/auth/ante/testutil_test.go
index 5b446e7e733a..78af9743eadd 100644
--- a/x/auth/ante/testutil_test.go
+++ b/x/auth/ante/testutil_test.go
@@ -5,6 +5,8 @@ import (
 	"fmt"
 	"testing"
 
+	minttypes "github.com/cosmos/cosmos-sdk/x/mint/types"
+
 	"github.com/stretchr/testify/suite"
 	tmproto "github.com/tendermint/tendermint/proto/tendermint/types"
 
@@ -75,9 +77,14 @@ func (suite *AnteTestSuite) CreateTestAccounts(numAccs int) []TestAccount {
 		err := acc.SetAccountNumber(uint64(i))
 		suite.Require().NoError(err)
 		suite.app.AccountKeeper.SetAccount(suite.ctx, acc)
-		suite.app.BankKeeper.SetBalances(suite.ctx, addr, sdk.Coins{
+		someCoins := sdk.Coins{
 			sdk.NewInt64Coin("atom", 10000000),
-		}) // TODO(fdymylja): IDK
+		}
+		err = suite.app.BankKeeper.MintCoins(suite.ctx, minttypes.ModuleName, someCoins)
+		suite.Require().NoError(err)
+
+		err = suite.app.BankKeeper.SendCoinsFromModuleToAccount(suite.ctx, minttypes.ModuleName, addr, someCoins)
+		suite.Require().NoError(err)
 
 		accounts = append(accounts, TestAccount{acc, priv})
 	}
diff --git a/x/auth/vesting/handler_test.go b/x/auth/vesting/handler_test.go
index 490fc59971f1..48be156b83a8 100644
--- a/x/auth/vesting/handler_test.go
+++ b/x/auth/vesting/handler_test.go
@@ -37,7 +37,7 @@ func (suite *HandlerTestSuite) TestMsgCreateVestingAccount() {
 
 	acc1 := suite.app.AccountKeeper.NewAccountWithAddress(ctx, addr1)
 	suite.app.AccountKeeper.SetAccount(ctx, acc1)
-	suite.Require().NoError(suite.app.BankKeeper.SetBalances(ctx, addr1, balances))
+	suite.Require().NoError(simapp.FundAccount(suite.app, ctx, addr1, balances))
 
 	testCases := []struct {
 		name      string