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I disagree, it's just not realistic to expect individual 'hygiene' to solve that problem. It is extremely difficult to avoid touching other things with your hands, even when you try to be conscious about it, and there are many many ways it could end up infecting you. The priority most definitely has to be on limiting the number of 'shared' surfaces you have to touch in the first place.
Contactless payment, btw, is super helpful with this. You don't have to touch any money, you don't even have to touch the number keys on the card machine. Ideal for pandemic times.
This doesn't have to be a main issue - and shouldn't be. It's why hygiene is important. As individuals we can mitigate these risks ourselves.