What is the ruling on saying "You have worshipped me, and the worshipped is Allah," and is it considered polytheism if said to a person or if it crosses one's mind, especially if it is associated with a shortcoming in acts of worship or hijab?

You are afflicted with severe waswas (obsessive whispering), and you must abandon it, distract yourself from it, and not succumb to it, for waswas increases with excessive questioning. What you have asked about does not cause disbelief (kufr). Lenience regarding the hijab or delaying prayer are religious transgressions that necessitate repentance and do not expel one from the fold of Islam. As for the phrase, "When it is said to me, 'What should I do?'" one who utters it should be advised to avoid it if it has a contradictory connotation.