Logically that makes total sense, in order to not have a ridiculous interaction between card like bargain and worship.
Yawgmoth's Bargain 4BB Enchantment
Oracle Text:
Skip your draw step.Pay 1 life: Draw a card.
So am I to understand that the key point to get is the 'self-inflicted' part of losing life points?
Not exactly. Your opponents can also inflict life loss upon you, e.g. Tendrils of Agony. The keys are that a card will differentiate when it is dealing damage, except of course for creatures, which have an inherent ability to damage either other creatures or players via their power and the combat phase.
For your example, Bargain doesn't specify damage, therefore it is not damage. Something like City of Brass, however, is damage because it specifies its effect as damage.
City of Brass
Rules Text (Oracle):
Whenever City of Brass becomes tapped, it deals 1 damage to you.
T: Add one mana of any color to your mana pool.