As my NOLS hiking instructor once said, after eating a piece of food he'd dropped on the ground, "if it were that easy, we'd all be dead by now."
I've never gotten sick from a hotel, subway, or handling money. I do tend to wash my hands after riding the subway and before eating, but not always.
People have evolved with bacteria for a few million years. We're used to the vast majority of them. In fact, about six pounds of the average adult human's body weight is bacteria.