This Doesn't Apply to Me!
Whether you have said it, or someone you were with did, it, doesn't matter. The fact is that phrase is fear-based.
And, if there is fear present, you may find yourself worried about money, your job, or walking faster past a homeless or a disabled person fearing you could "catch" what they have.
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I agree with you about the Law of Attraction.
I think Black people rely too much on other-power and lack confidence in our self-power. We expect some politician or leader or "god" or someone to rescue us.
White people are the opposite - they are very confident of self-power but don't trust other-power.
We need a balance.
This is just my opinion.