I don't actually believe this, but it has occurred to me before. Here goes.
Phil (whose stories I love) claimed at one point that the FBI - or some outside agent - had broken into his apartment and detonated explosives in his filing cabinet. This could've very well been Dick himself.
Regarding his son, it was not a brain tumor, but a testicular hernia, or related, that his son had. Simply put, perhaps Dick was feeling up his son and decided to blame the finding on the light?
I believe what happened is that he likely found the hernia and then, in a fit of paranoia, decided to find another context for its discovery. You need to remember that Dick claimed to have seen a giant Teuton warrior in the clouds, looking down on him, as if a demiurge was making its presence known to him. This was likely a very paranoia-inducing event.
I am now reminded of the Anime Berserk.
Anyway, I do not believe that Dick was a child molester or false-flag operator against his own filing cabinet (although I am unsure about the cabinet one). We don't really know.
I think maybe he took a lot of amphetamines, and maybe he also had a mystical experience. Who knows? I have my own ideas but they may do more harm than good.
Here be dragons: https://www.youtube.com/watch?v=vXqHJYz8NXo
* This is your friendly reminder that human rights and a cessation of killing and torture globally serve as the bedrock for all modern law and that violent tendencies must be culled from our collective consciousness.