Why are there germs on your hands right after washing them? Didn't mythbusters already test it and concluded that they are only bad when people don't really wash their hands.
The followup question is "how many people think getting their hands wet without soap is sufficient hand-washing" and the answer is not terribly comforting.
Do you ever watch people wash their hands? Many wet them then dry them. A few rub a little soap around them. Nearly no one does the full hand wash method recommended by health organisations (where each finger is individually washed)