I'll struggle to word this correctly, but here goes.
It's not a fallacy because the person makes these judgements based on their experience on the best way to deal with these situations. It's not a false or mistaken idea, rather a rational way to deal with the lopsided injustices and contradictions of the world we live in.
http://www.merriam-webster.com/netdict/fallacy
Sure, it's a mental map, but why do you disagree with that being a fallacy?