Want to start a lucrative business, become a germ fighter. Entrepreneurs are making millions developing methods to remove germs from the world of the hyper-hygienic. Beyond the vegi washes and handi- wipes emerge a whole host of products that would make even Monk proud. Since we have become an over-indulged, narcissistic society that dwells on our phobias, naturally the media has capitalized by praying on our fears of carcinogens, flues and diseases, so it seems only logical retailers would follow suit. "Germ a phobics" can now refrain from touching&.anything&. with customized straps to protect hands from bus bars, sani- handle wraps for shopping carts, designer door-knob disinfectant, antibacterial gloves and personal air purifiers worn like jewelry . The ultimate for New Yorkers who want to avoid contact with anyone is the "excuse me flag" a devise worn on their waste that insures one cubic yard of free walking space by slapping the offender in the face with an upright yellow flag. Try that one out west and see where that little flag ends up