Yes, this is something we realised we'd missed after printing, unfortunately - two rules from two different stages of the game's playtesting phases. For the best experience, treat resistances on hazarda as decreasing the marks they take by one, and resistances on CHARACTERS as decreasing the marks by two. This relfects that, as you say, it's difficult for characters to deal more than one or two marks of damage, but hazards can throw that out far more easily.
It'll be corrected in PDF next time we do a release, and in print if we ever get the chance to do a version two :)