That example is NOT a result of a shock due to a borrowed neutral, but a MISTAKE by the person changing the fitting thinking that all upstairs lights are on one circuit, and all downstairs lights are on the other. But unfortunately he didn't realise the landing light was fed from the downstairs light circuit.That would have happened WITH OR WITHOUT a borrowed neutral.
The shock was a result of his failure to test for dead before working on the fitting, and a failure to isolate the correct circuit breaker for the circuit he was working on.
I fully accept a borrowed neutral is not ideal, and I understand the regs you quoted, but I don't believe it is quite as dangerous as you suggest.