Why do you say that? Every source I can find disagrees.

https://www.cdc.gov/fungal/candida-auris/c-auris-drug-resist...

https://en.wikipedia.org/wiki/Germ_(microorganism)

https://www.merriam-webster.com/dictionary/germ

Etc

Germ is a layman's term for "microorganism", or perhaps "pathogen", both of which most assuredly include all the little things that make people sick: viruses, bacteria, fungi, etc.