I see! In fact, my middle name is Richard, so I suppose you're actually right.
IF the MCB is protecting the load of multiple sockets on 3 cables then the chance of the MCB being “over loaded” is quite high - which of course means it should turn itself off resulting in inconvenience for the home owner
That is not 'overloading an MCB'. You seem to be assuming that having more than one cable originating from an MCB/RCBO increases the chances of loads resulting in a total current which is in excess of the In of the OPD, but it really isn't as simple as that, since, with a sockets circuit, a designer has virtually no control over 'what gets plugged in where'.
What, I wonder, does an 'average sockets circuit' look like? I would think that, say, 8 double sockets would not be at all unusual. If one takes that figure, that means that with just one cable connected to the CU, there could, hypothetically, be 208 A worth of loads plug into sockets on a circuit protected by a 32 A, 20 A or even 16A OPD.
Probably more to the point, if one added a second (and maybe even a third) cable to the MCB/OPD which supplied a new set of 8 double sockets, the user would not suddenly increase his/her usage of electricity, so the current through the OPD would be exactly the same with two or three cables connected to it as if there were only one cable.