I'm actually working on a version of this idea that is supposed to work like the bad luck someone gets from a black cat crossing their path.
So far I have it written up as:
Custom Power, Hole In The Middle (+1/4), Personal Immunity (+1/4), Inherent (+1/4), Uncontrolled (+1/2), Persistent (+1/2), Affects Desolidified Any form of Desolidification (+1/2) (3 Active Points); Always On (-1/2)
I'm looking for it to work kind of the way that GhostDancer decribed, but not just for everyday things. I would really like it to work like a projected version of the Disadvantage Unluck, I just have no idea how to go about making it work.