This comment is totally unnecessary given all the caveats downandout made, and as someone who has lived through hard times it upset me to read your comment, although I do appreciate the edit that was made.
Locus of perception isn't really a "phrase" that is accepted, though it would merit some Cog Psych research to quantify the phenomena above.
I'm not sure whether it's my brain, or 'me' that's saying it, but this is pretty much what I tell myself every time something 'bad' happens to me. Works like a charm.
You should maybe look into getting a more compassionate brain.