I reason like an adult that has lived life and been exposed to the "ho-hum I stumble along and take no responsibility" type people for a large portion of that time.You reason like a big company while you manage an astrophotography community...
Your members are customers who just had to read the contract. Too bad for them if they clicked without reading it... legally you are covered, humanly it's small.
Deal with people in the type of scenarios I did and you kept hearing a repeat of Shaggy's "It wasn't me".
Legally is what I worry about. Whether they take the time to read what they agree to is up to them. Sorry, don't believe in a nanny state where you hold everyones hand so they never get a boo-boo.
My philosophy is every person is responsible for themself ultimately. Someone make a bad decision? That is entirely upon them. Not someone else fault that they made a bad decision or were to lazy to follow instructions or read something they should have and now it's "got them" in a tight/hard spot.
It's folks like them that result in stupid stickers like this on stuff.
and I actually have a chainsaw that one similar to this on a hanging tag on the end of the bar.
And guess what... you need to run your site "like a business". Anarchy never works well.