What are the %chances of a wizard offering a 'pain' scroll compared with the %chance of offering a healing scroll? I see more pain scrolls than healing (maybe coincidence).
If the chances were the same, would that not balance it out a bit? Healing scrolls counter pain scrolls. You can cast healing scrolls on yourself even when wounded.
That sounds like a reasonable and easy solution to me. If you want protection from pain/wounding magic, collect healing magic. If scrolls that cause wounding are really much more common than ones that heal, then balance it out a bit.