var strategy = dbContext.Database.CreateExecutionStrategy();
await strategy.ExecuteAsync(async () =>
{
    using (var transaction = await dbContext.Database.BeginTransactionAsync(IsolationLevel.ReadCommitted))
    {
        var user = await dbContext.Users.NotCacheable().FirstOrDefaultAsync(x => x.UserId == userId);
        if (user == null) return;
        await dbContext.Entry(user).ReloadAsync();
        if (balanceChange < 0 && user.Balance < balanceChange * -1) throw new Exception("UserBalanceNotEnough");
        await dbContext.Database.ExecuteSqlRawAsync(
            "UPDATE Users SET Balance = Balance + {0} WHERE UserId = {1}",
            new object[] { balanceChange, userId });
        var balanceRecord = new BalanceRecord
        {
            UserId = userId,
            Description = description,
            OperatorIp = operatorIp,
            BalanceChange = balanceChange,
            RemainingBalance = user.Balance + balanceChange
        };
        await dbContext.BalanceRecords.AddAsync(balanceRecord);
        try
        {
            await dbContext.SaveChangesAsync();
            await transaction.CommitAsync();
        }
        catch (Exception ex)
        {
            await transaction.RollbackAsync();
        }
    }
}