99% of the penalties are for playing on
There is a HUGE difference though, in how the PSP and the NPPL consider a penalty
In the PSP, Rule 6.8.8 is the one that will cause your team to lose the game, every single time.
6.8.8. A player who asks a teammate or judge to verify a hit that the player could have verified
unassisted will be assessed a major penalty. 
If you feel a "bump", and glance at the ref to see if you are truly out instead of checking it yourself, you + 2 players are pulled immediately.
You are better off just pulling yourself out on a bounce, than to risk getting a major. Your team can win with 4 players on the field, it can't win with only 2 players.
This has happened to us numerous times in the PSP, a front player dives into his bunker, gets hit on the head, shoulder, hip or leg, glances up at the ref... major penalty, 2 for 1.
The NPPL is a little bit more realistic in their penalties. If you attempt to make a game changing move after you are hit, THEN it's a major penalty. Such as a run-through, or running up the field, or moving to a new bunker, that's when they call penalties in the NPPL
In the PSP, if you don't know how to play to the penalties, your team won't make it to their bunkers. 2 seconds into the game you're all off the field. It's happened to me many times.
What gets people in tournaments, is that tournament grade paint does NOT feel like recball paint. Just about any tap or bump is going to be a broken ball / elimination. When you play the PSP, the paint shot at the PSP and NPPL is ultra fragile compared to the paint you shoot at practice. You'll feel the most subtle of tap on the shoulder, and think to yourself "That didn't break..." and keep playing.... major
The first thing I ALWAYS do when I feel a tap, is get off the trigger. This will save you 80% of the time. Simply stop shooting! Next, don't look at the refs. If you glance at the ref, that's a major penalty! So don't look at them, continue to check yourself as best as you can. If you see any paint on you, even if it's a drop, pull yourself out. But do NOT look at the refs. You can listen for them, but don't look at them.
Looking at the refs in the PSP, with a self-verifiable hit, is a major penalty. So check it yourself, and if you see ANY specs or drops of paint, get off the field ASAP
so what if you check yourself and its not easily verified. AKA you get a pack hit? i just want to clear this up for people reading.