The missing term is the Just-World Hypothesis. Explanation:

• The Just-World Hypothesis is the belief that people get the outcomes they deserve, implying that the world is fair and that good things happen to good people and bad things to bad people.

• In the United States, this worldview is a recognized cognitive bias that can influence attributions about poverty, crime, and misfortune, often leading to victim-blaming or attributing outcomes to personal merit rather than situational factors.