My personal experience spending time with people with germaphobia:
- They have no idea where germs actually are or how germs are transmitted. They just do specific things that they assume "clean", or avoid specific things that they assume "dirty"
- They share similarities with people with OCD
Phobias are by definition irrational.
I was riding an e-scooter, a van hit me and didn't stop to see if I was ok.
The car behind the van stopped, and the car driver offered me help, he said he would be willing to be my witness if I wanted to persue the van driver.