[sammyg2]

People (and everything else in this world) are covered with bateria and fungus spores. all the time. While being in the same locker room may increase the amount of contact it isn't necessary to become exposed.
The skin is an amazing organ and it protects us from all those invisible creepy crawlies, until we do something to it that makes it incapable of protecting us.
Prolonged exposure to moisture causes swamp foot and jungle rot, cuts and abrasions can lead to infections, wearing poorly designed undergarmets that do not breathe can do both.
Moisture along with chaffing harms the skin and allows the fungus to grow and harm us.

that'll be a gazillion dollars.
Sincerely, Dr. sam