You’re eluding to common sense and right vs wrong.
In my opinion, the Isle of Mann situation is right. Everyone knows what they are doing and risking.
Conversely, with the ********** lawyers and courts in the US, a thief can sue you for getting hurt while breaking into your house. Waivers hardly mean anything here and regardless, a lawyer will take your money to sue XYZ knowing you won’t win. The defending lawyer will charge the shit out of the corporation/business/whoever but is likely getting paid by the liability insurance policy.
I'm with you on this. Personal responsibility is becoming an endangered species. You watch those street racing vids where people crowd the sides of the road at about the halfway mark while pro-mods thunder by. You take your chances.
But, like you say, even the burglar of your home now thinks you owe him a safe and happy break in. Go figure! I don't get it at all. You are probably okay in court if you shoot him dead but God forbid he slips in some spilled milk on your kitchen floor!
Lesson: If you find an injured thief in your home it may be the smart move to just finish him off and then plead the fifth when questioned.