It'll still happen with Kero. Cladosporium resinae is the primary fuel 'bug' forming in aviation jet fuels and these are closely related to kerosene.Been thinking of fuel doctor. The key ingredient is biocide, kills algae. The surfactant is to distribute the biocide optimally.
Algae is the vegetable protein which allows the water to attach to the fuel. Just as egg is used as the protein to attach vinegar to oil.
Leave any non evapourative fuel long enough to hold atmospheric water, algae shall grow. But then, I don't think kerosene would allow algae to grow, which is another consideration.
Separately, the main reason our vehicle fuel tanks remain pretty clean is because the vehicles are regularly driven. We don't often see separated water forming in the tank or fuel filter bowls, (and there is water in our fuel) because it's of low enough ratio, and sufficiently dispersed due to agitation that is passes through the filters. The small centrifugal vehicle filter simply isn't enough to separate all the water from the fuel. But this isn't a problem, and the filter is designed to give warning when water levels get to a level to be of concern, but not before. If the alarm sounded with any level of moisture content, you'd never drive anywhere!