I guess in theory people have washed their hands by that point, but not everybody has washed them well enough. It's at least 20 seconds of solid rubbing, people, not just in and out of the water. The temperature doesn't matter, what matters is being under there for long enough the germs come off.
Anecdotally, I don't wash for anything close to 20 seconds and I'm sick much less often than my coworkers who do. I'm also not afraid to touch food with my hands
>... Of those that exist, nearly all have measured reductions in overall numbers of microbes, only a small proportion of which can cause illness, and have not measured impacts on health. Solely reducing numbers of microbes on hands is not necessarily linked to better health.
https://www.cdc.gov/handwashing/show-me-the-science-handwash...
Having said that, I'm also not keen to aerosolise and breathe in whatever's on the hands of the ten people who used the hand dryer before me. I like the hand dryers that blast a decent flow of warm air past your hands towards the floor, rather than an extreme flow of cold air past your hands at a pool of other people's used hand-washing water.