THE TRUTH: When you wash something, you are not killing germs; you are removing germs. The germs, dirt, etc., are suspended in solution in the warm soapy water, then washed down the drain when you rinse. Picture the germs as being trapped in the soapy water — hot/warm water helps soap do its job of removing germs and “trapping” them.
CAVEAT: Of course, if you are using a good anti-bacterial soap, you ARE killing bacteria, but ONLY bacteria. Not viruses. For viruses you need an anti-viral agent. Any viruses will be removed by the soapy water along with any “benign” dirt that may be present, assuming you do a good job of washing.