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Isn't the insta-kill ability having a 100% chance of killing based on the connection to Soul Manip? I'm very tired at the moment, and Persona is complicated, so I'll likely slip up a bit in my explanation. But I'll try and explain what I remember.
So, with abilities like Soul Manipulation, it's assumed on the wiki that "no resistance = getting one-shot" unless otherwise stated. So, if someone attacks your soul with Soul Manip, and you have no resistance to Soul Manip, it will one hit kill you. While skills like Mudo are forms of Death Manip, all Persona abilities are explicitly based around Soul Manipulation. So if you can resist the Soul Manipulation of an attack, you can resist the other effects of Persona abilities to an extent. All Persona users have good resistance to Soul Manipulation, hence why their attacks don't one-shot eachother and also why they have some level of resistance towards these abilities.
So, with abilities like Soul Manipulation, it's assumed on the wiki that "no resistance = getting one-shot" unless otherwise stated. So, if someone attacks your soul with Soul Manip, and you have no resistance to Soul Manip, it will one hit kill you. While skills like Mudo are forms of Death Manip, all Persona abilities are explicitly based around Soul Manipulation. So if you can resist the Soul Manipulation of an attack, you can resist the other effects of Persona abilities to an extent. All Persona users have good resistance to Soul Manipulation, hence why their attacks don't one-shot eachother and also why they have some level of resistance towards these abilities.