That’s definitely a thing too often. The “middlebrow rejection” or something like that. But in this case the OP got a message saying they had exceeded the limit and would get a refund. Then they repeated the transaction at the limit for a total of 20k.
From reading comments here it sounds like the author both misinterpreted things and also compulsively over deposited to test the governments software.
Testing government systems as an outsider is a really bad idea.