It is exceptionally prevalent, but that's not the same as everyone who is sexually active has it. There are plenty of people who do not put themselves at risk prior to getting married and are then faithful to their spouses.
Not one of them did anything wrong, but all got it. Yes, not everyone who’s sexually active has HPV, but even people abiding by what I assume are the Biblical principles we’re discussing here (because abstinence is nearly only a religious thing and we’re talking about it on a heavily American website) can be affected, even without disobeying the laws they try to follow.