A disagreement all the way up to superfamily Pyraloidea will actually count as a disagreement with Crambidae and all its descendants too.
It’s called “branch disagreement” and yeah, it can be super confusing. There was a note on the iNat blog last year that the disagreeing ID pop-up might be updated to be clearer with a more nuanced descriptor of what kind of disagreement is meant by the ID, but no updates have been made. Long posts and reading here:
https://www.inaturalist.org/blog/25514-clarifying-ancestor-disagreements
https://forum.inaturalist.org/t/change-wording-used-by-the-system-when-downgrading-an-observation-to-an-higher-level-taxa/3862