I also think a seat belt analogy is good. Just because a person never wears a seat belt and has never been injured in a car, doesn't mean their not putting themselves at risk. Food safety experts are not very enthusiastic about all the anti-bacterial products. While it has not been proven that these are causing new strains of bacteria, this is theoretically a possibility. Plain old soap and water is very effective in removing bacteria and that is the standard recommendation for hand washing or washing other surfaces in the home.
Good bacteria make possible many of our food and beverages such as yogurt, cheese and beer.