This is one of the reasons I don't like shaking hands you never know if someone is like this or not.
Hell I do not even share pens. I always kept several pens (all clean, mind you) in my pocket and if anyone wanted to borrow my pen, I cringed (NO, not my good pen!!) I just gave them a fresh pen from my pocket of spare give away supply.
"Do you mind if I borrow your phone?" Absolutely not, like fuck NO!
Hey I have "so and so" on the phone and he wants to talk to you. You need to take this - handing me this infected phone.
OK. Cool, put it on speaker, turn it up. (but I am not touching your disgusting cell phone that you seem to share at random.)
I have to sign this, nah, any of these guys can sign for this and put my numbers in.
Maybe germs are not a thing (that can actually hurt me), but human filth is a real thing that I try to avoid.