There are (5) times that we are commanded in the scripture to greet or salute one another with a holy kiss / Rom 16:16, 1Cor 16:20, 2Cor 12:12, 1Thes 5:26, 1Pt 5:14. The holy kiss represents acceptance or welcome to the party saluted. Both salute and greet are the same Greek word. The expression 'holy kiss' has a multiple meaning that includes embrace, a handshake (right hand of fellowship / Gal 2:9), a glance (not a gaze), verbal gesture or a wave. There is an acknowledgment made in saluting the brethren with a holy kiss. If you feel uncomfortable embracing another, then use one of the others to acknowledge your brother or sister in Christ. To not acknowledge them or greet them is a form of rejection. There are certain conditions that have to be met before you can reject a brother who has been admonished first / 2Thes 3:15, Titus 3:7-11.
If you are that sensitive about germs I suggest you wear gloves or carry some hand sanitizer with you and use it discretely as to not offend. I wonder how many mother's kiss their baby's hurt finger or hand never considering or caring where that hand has been. We are told to entertain (exercise hospitality) strangers not greet them with a holy kiss / Heb 13:2. Most doctors wear latex gloves and have to by law. They also use hand sanitizers as a frequent practice. This does not mean that we don't exercise caution when there is an epidemic. Just food for thought, instead of worrying about the hygiene of another or where their hand has been, maybe you should be concerned more where their mind and heart has been and exercise yourself with inward discernment instead of outward observation. The next time someone offers you the right hand of fellowship and you are concerned about germs, bacteria or viruses, don't stick your finger in your mouth or rub your eyes and go wash your hands.
There is a way to greet the brethren with a holy kiss without getting all freaked out. I would also suggest that you don't acquaint yourself with the homeless or those that are destitute and on the street. You might have to go back to the law and either throw away or have your clothes burned. And if I were you, stay away from dead bodies and that includes funeral homes. It would probably be more sanitary to have your believing loved ones cremated, but that might just violate the scriptures and the importance of our bones being buried.