The abbreviation "FML" should only be used to describe something emotionally painful, and not something that has no meaning to a stressful life such as what you stated above:

"I'm short £1 to buy this game. FML."
"I broke a nail. FML."
"I lost the level in the game. FML."
"I have a spot. FML."

and so on...

And I remember when the term was correctly used by a friend of mine, and she sure as HELL felt like **** throughout the time she was being affected in her life...