Well I know a little about phobias and their treatment and the rate at which they develop is much slower than the rate at which they can be overcome. Doing it professionally is always the best but money/time etc. So maybe try some things like find a photo of someone (maybe a little grubby) with exposed skin, print it out and practice touching that.
If you are in a department store with mannequins, try touching their expose "skin" and see if you have a reaction.
Find someone you trust, have them wash a part of their skin and then practice touching it. If you find your anxiety reducing, move on to not having them wash especially beforehand.
Also, it is a very common theme among germophobes that their understanding of germs is actually really poor. So being well informed can help.
Every step you take to make allowances gives it power. like avoiding activities, wearing gloves etc, just makes it stronger.
The truth is you cannot live in a bacteria free world, we all are crawling with it and indeed couldn't process food without it. People who try to live germ free are really just creating a fiction to ease their anxiety response. You can't defeat bacteria, but you can beat phobias.
You can do it dude! Just taking a guess, if nothing specific about skin triggered this, chances are there is something else going on which is feeding anxiety nad this is just the outlet. If you can tackle that thing head on maybe it will just go away.