They'll most likely cacth the skin fungus too. the towel may wipe off bacteria of the fungus and dead skin cells, and the other person using it may be wiping those bacteria and dead skin cells on them too.
An ecosystem involves both the biological (plants, animals, human beings) and non-biological (land, water, soil, and atmosphere) community which interacts as a system. More importantly, the living things are very dependent on the abiotic community since it cannot survive by itself. Every animal, plant and human needs the primary physiological needs of water, food and shelter provided by the abiotic system.
Pollution is always a good way to go but you don't have to do air pollution you can do water pollution or both air and water pollution.