"Nobody" isn't quite correct. Likely a lot of people but certainly not everyone.
I took precautions before the pandemic and know a few others as well. Sure, I wasn't crazy enough to walk around wearing a N95 mask every time I went out into public before Covid hit, but I did take precautions against the common cold and flu.
I don't call it germ phobia... I call it germ smart. I know how germs are passed (as does just about everyone) so I simply don't touch public things. I've watched people after Covid hit still using their dang fingertip on ATMs or store credit card machines in stores, or grab a door handle with their bare hand! I think to myself.. "I wouldn't have done that". (I'm an analytical. Can you tell? LOL) I analyze everything. I can't turn that part of my brain off. I know how germs are caught so I take measures not to catch bugs. Simple as that.
For instance... if a public surface is meant to be touched (ATM machines, conference room phones, elevator buttons, door handles, etc.)... I simply don't touch them with my bare hand. I either used a knuckle or an object like the bottom of a pen or car key for elevator buttons or conf room phones (I even had someone in the conference room ask me why I did that), or I use my sleeve or the hem of my shirt for door handles. Those are just a few of the things that I've done for decades.
![Smile :) :)](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)
I don't catch colds nor the flu (knocks on wood so as not to jinx myself) and I for darn sure do NOT want to catch Covid.
I've also noticed that some people still haven't smartened up about not sneezing into their hands. I had a dental tech walk into the room and sneeze into her hands.
![Eek! :eek: :eek:](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)
(Let's call her NOBODY.) Then she wanted to work on me! Needless to say NOBODY and I had "a problem" and I never went back. LOL