Does Tipping Also Affect the 75% Spend Limit?

Now, I have learned quite recently that we are heavily penalized if we spend the distributed Moons over the specified limit of 25%. That is, if you have 1000 Moons you can spend up to 250 Moons without inviting the wrath of the Moon kingdom.

Any spend over the specified limit will invite a penalty in the order of the spent Moons. To avoid the complication of putting down the formulae and the details (simply because it is too much for me), and confusing everyone, I will move on to my question.

Two things come to mind.

1. Does giving off moons to the liquidity pool above the specified 25% invite penalty? And
2. What do you think about tipping? Does tipping over the 25% limit invite a penalty?

All the learned long-time moon-loving souls of this sub, please do enlighten.

Now, if you have 1000 Moons, you really don't have to worry about tipping as you can tip up to 250 Moons. But what if I have 40 Moons and end up spending 11 Moons in tips? What happens then since I have breached the 25% cap? Curious.

Disclaimer: Definitely not financial advice.