Cold Water isn't Unhygienic:
Unfortunately, it is. We're not talking about deadly pathogens (you die shortly after contact), we are talking about killing creatures in our environment that can survive up to bodily temperatures (and cooler too). These creates can cause small infections and the common cold and other respiratory infections. Plus, at these lower temperatures, the bacteria found in faecal matter matter (E. Coli etc.) are not being eliminated. This is especially true if you wash your socks, underwear, shirts AND shorts in the same wash in cold water.
Would you wear a shirt that was visibly covered in your, someone else's or another animal's faeces? I wouldn't. Whilst you can't see, it is still there in cold-water laundered items (and probably Warm/Hot if you mix everything, but not as pronounced, I imagine). Cold water washing distributes this matter throughout the load, and doesn't eliminate (much) bacteria. As another member said, cold water might just make the bacteria angry, at best. And unless you burden the environment with double or triple the detergent to wash away bacteria, you may not get the best results possible. There is a reason why we should wash our hands for AT LEAST 20secs, with WARM water. This is not my recommendation, but that of the HEALTH DEPARTMENT (based on my research). Washing laundry in cold water is semi-related to that.
If you sort your laundry appropriately (For example only: Mine is Coloured/Whites: Shirts, Pants. Darks: Pants, shirts. "Dirties:" Underwear/Socks.), then cold water is fine for shirts/shorts, but may not eliminate odours found in these (from B.O. or odours in your pants from a bad digestive day).It may not get rid of dust mites and some stuff, but it is adequate for your daily load. I still wouldn't wash in cold water, but I admit it is probably adequate for this.
Cold water is not (however) adequate for bedding, towels, underwear/socks, floor rugs etc. These contain all manner of dust, faecal matter (pets or you), remnants of dead flies, mosquitoes etc. that can be harmful to one's health if not laundered correctly. Hot or even warm water (40º-50º, none of that "tempered" crap) helps to eliminate the "bad stuff" found in these items.