Wouldn't be enough to cause it if tempered properly. Proper tempering to achieve the right crystalline structure prevents this from happening.

Ceremonial Cacao goes through very little processing. There are a few steps involved but essentially it is simply the whole bean ground. Nothing added, nothing removed. Sacred Earth Medicine Ceremonial Cacao was created this way so that it retains the highest medicinal properties. But this means bloom can occur more easily with Ceremonial Cacao. Regular chocolate uses chemical additives like emulsifiers to prevent the butter from separating out. It is also tempered. The chocolate is heated and cooled multiple times to very high temperatures to hold the butter within the ground cacao solution. This gives chocolate that smooth, glossy look, and stops it from melting easily but it changes the structure of the cacao. Dairy, sugar and preservatives are also added to produce regular chocolate.