I'll grant you that the money to food route of contamination only applies to the ketchup packets.
The doorknob-to-food, cellphone-to-food, and touch-his-face-then-touch-your-food routes apply to everyone in the room.
And at fast food places, they're typically wearing gloves which makes it even worse, because you sometimes wash your hands but they never wash their gloves. So the hands themselves become the worst source of contamination.
I'm not germphobic; I'm saying that avoiding ketchup packets out of a worry about germs is like putting down one of those faggot-ass paper toilet seat covers in public restrooms cause you're scared of butt germs, then touching the doorknob on the way out. Its entirely backwards.
I bet you anything those ketchup packets have fewer kinds and lower levels of dangerous bacteria on them than the food preparers nasty ass gloves.