With pubs closing at about 5 a week plus so I hear, you would think that the bars would be full of food to get the punters in !.
When I ran my pub I always put very salty peanuts on the bar everynight. Salty peanuts make you thirsty thus Increasing drink sales..
I would see people go for a wee, then not wash their hands and then buy a packet of crisps.
My staff always washed thier hands, and never picked a clean glass up by the inside.
I sent all the staff on a health and hygene courses, and constantly told them about health risks.
Handling money is a dirty business, and I get your point, but unless you have direct contact with an item, then you just have to accept it, everywhere you go, even top places have an element of risk, the ideal way would be for somebody to take the money and another just serve, but thats 2 staff held up on 1 customer.
We cleaned tables with a contact spray and paper towel, not a dish cloth as your right this does transfer germs from place to place.
I invited the health department to view my kitchens, and kept on top of things for 5 years, even gaining an award from the council for a clean premises, but there are those out there who cut corners and have filthy kitchens, but thats the world over sadly.