"God helps those who helps themselves"?

I keep hearing people around me say, "God helps those who helps themselves." It has bothered me for a while, because I don't think the Bible truly mentioned this. That is also an issue: I don't know enough. Hence, I did some research online, and I've come to a conclusion.

FACT: The phrase is NOT found in the Bible.
This phrase has been commonly quoted by both believers and non-believers. As for me, I've heard it from my superior in camp, and most recently, from my dad. (Both are non-believers.) Truth is, the phrase is not exactly quoted in the Bible, but some verses do exemplify a similar meaning.

In 2 Thessalonians 3:10, Paul said,
"For even when we were with you, we gave you this rule: 'The one who is unwilling to work shall not eat.'"
Based on the principle mentioned in Galatians 6:7 that "a man reaps what he sows," the above verse implies that if you don't reap, you don't sow. In this context, Paul was warning the Thessalonians against idleness.

In James 4:8, James said,
"Come near to God and he will come near to you. Wash your hands, you sinners, and purify your hearts, you double-minded."
This verse implies a need for initiative. In this context, James was reminding, and even rebuking, the Jewish Christians to have a heart for God.

On GotQuestions, however, it wrote that "whatever the original source of this saying, the Bible teaches the opposite. God helps the helpless!"

In Isaiah 25:4, Isaiah said,
"You have been a refuge for the poor, a refuge for the needy in his distress,
a shelter from the storm and a shade from the heat.
For the breath of the ruthless is like a storm driving against a wall."

"For all have sinned and fall short of the glory of God (Romans 3:23)," we are all helpless in terms of salvation. By God's grace, we are saved when we believe that Jesus came down to die on the cross for our sins. "God provided the 'help' that we need precisely because we could not help ourselves."

Therefore, to say that "God helps those who helps themselves" is to, in a way, discredit God and His love and grace that He has for us.

So what of the verses before?

They are essentially not wrong, really. Ultimately, it depends on the context in which the phrase is being used.

On GotQuestions, it wrote:

Many Christians fall into the trap of inactivity. Many Christians ask God for help, but then expect God to do everything Himself. They excuse this by pointing to the fact that God will provide according to His will and in His timing. However, this is not a reason for inactivity. As a specific example, if you are in need of a job, ask the Lord to help you find a job - but then be active in actually looking for a job. While it is in His power to do so, it is highly unlikely that God will cause employers to come looking for you!