Are makeup/moisturizers in jars really so unsanitary?

I don't see why so many people hate makeup packaged in jars. They complain how "unsanitary" it is, but if you washed your hands and face and then moisturized, does it really matter? Of course you can't wash 100% of all dirt away but I doubt there is ANYTHING harmful that will cause breakouts if you get the product out with clean hands and put it on a clean face. Is it really that bad?