I'm not a scientific expert but I believe the risk of passing and catching Covid from touching surfaces has been overemphasised.

As long as sensible precautions are taken... e.g. cleaning, wiping, and use of hand sanitiser, cash transactions should be safe enough. The virus also only remains there for a short time.

By far the biggest risk seems to be from airborne transmission and, unfortunately, many people and organisations have become far more "lax" about this. Social distancing seems to have gone "out the window" and many don't bother with masks any more even although they are still a requirement indoors and on public transport. In Scotland, at any rate.

Also, good ventilation is very important and plenty of space. I still get slightly nervous in enclosed places when it is really busy but I don't suppose I can hide away for ever.