I am terrified of germs. People who have colds, etc. who sneeze and cough without covering their mouth and their germs and droplets linger in the air terrify me. I tend to "over-disinfect" my house, my office, my computer mouse, my stapler, my phone, the light switch, the door knob, my remote control, toilet handle, refrigerator handle, microwave knobs and everything else that a sick person touches. I am terrified when I go to the store and someone sneezes or coughs down the aisle that I am on. I have to immediately leave that aisle to get away from that person and their germs. I cannot walk through the area where that person has coughed or sneezed. If a cashier sneezes or coughs in her hand before giving me my change back, I ask her nicely to please get another person to give me my change. I nicely explain to her that I have Obsessive Compulsive Disorder and I don't handle spreading germs too well. They never have a problem.
My fear of germs is equivalent to people who are afraid of spiders, snakes, etc.