The way I understand it, it's being immersed in the honey (or whatever), rather than trying to eat the honey, that's already harmful to the bacteria. Macroscopic organisms can eat the honey without immersing themselves in it - and even if they do become immersed, it's only a relatively small number of cells which are directly in contact with the substance; most are protected simply by not being surface cells. Furthermore, surface cells are specifically designed to withstand that kind of thing, so there may not be any damage to those anyway.The difference I can think of is that the moth caterpillars do not feed via diffusion. They physically bite/chew off whatever they consume. This means that low water concentration will not block nutrient entry, as it does with microbes.
Pollen can be incorporated into the honey produced in a beehive in a number of ways. When a honeybee lands on a flower in search of nectar, some of the flower's pollen is dislodged and falls into the nectar that is sucked up by the bee and stored in her stomach. At the same time, other pollen grains often attach themselves to the hairs, legs, antenna, and even the eyes of visiting bees. Later, some of the pollen that was sucked into her stomach with the nectar will be regurgitated with the collected nectar and deposited into open comb cells of the hive. While still in the hive the same honeybee might groom her body in an effort to remove entangled pollen on her hairs. During that process pollen can fall into open comb cells or the pollen can fall onto areas of the hive where other bees may track it into regions of the hive where unripe honey is still exposed in open comb cells. Some worker bees also collect pollen for the hive. The smooth, slightly concave, outer surfaces of the hind tibia in worker bees are fringed with long hairs that curve over the tibia surface to form a hollow area. This hollow area is called the "pollen basket" or orbicular. The worker bees collect pollen with their front and middle legs and then deposit it in their cubicula (Snodgrass and Erickson 1992). In the process of depositing collected pollen into special comb cells some of it can fall into the hive or into open honeycombs. It is also noted that occasionally worker bees might add pollen to the nectar they are transforming into honey.
Airborne pollen is another potential source of pollen in honey. Many types of airborne pollen produced mostly by wind-pollinated plants that are not usually visited by honeybees can enter a hive on wind currents. These airborne pollen grains are usually few in number, when compared to the pollen carried into the hive by worker bees, nevertheless, those pollen types regularly enter a hive on air currents and can settle out in areas where open comb cells are being filled with nectar. Sometimes airborne pollen is deposited into ripened honey when it is being removed from a hive by the beekeeper. Although the pollen rain for various regions consists mainly of airborne pollen, and those data are often used in forensics, archaeology, and ecology to identify a specific geographic region, those pollen data are not always as useful in melissopalynology because they generally form only a minor (?) fraction of the total pollen spectrum found in a honey sample.