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Originally Posted by Kaldrin
I would say no.
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I'd agree that the rules seem to allow for the casting of spells that you will not be able to pay the FP cost of, though the stronger argument for it (IMO) is the wording of the Banish spell [specifically, the
Cost section].
A couple of extra points that seem important:
This [Influencing Success Rolls] is an optional rule, therefore other rulings based on it are going to be game-specific. Allowing that overcasting (casting a spell that you do not have enough FP for] is possible, the process (in standard rules games) is self-limiting due to the increased chance of failure and critical failure [since burning HP gives a -1/HP skill penalty], as well as the possibility of severely or even mortally wounding yourself. If you introduce options (or allow advantages, like the combo Peter mentioned) that can overcome this limit, it is perfectly reasonable to add balancing features to suit your own taste, such as a rule forbidding the casting of a spell that you could not pay the FP cost of normally.