Well, no. Your fingers aren't the only thing that touches lenses. If you store your gear in camera bags, then they will touch the bag as they slide in and out. If you have a lot of gear, it might be a very tight fit in that bag. Some people will set their gear on the car seat next to them or on the floor of the car. Light scratches may result from being set down in various locations. I've walked inside my house and lightly smacked a few lens hoods on the doorways here and there. It happens. Some people use their gear extensively so it's inevitable there will be some visible wear.
But cosmetic wear really should be one of the lesser criteria when buying used gear unless an item is heavily marred. How a lens feels when you zoom is more important. Does it feel overly stiff or overly loose? Check the aperture blades to make sure they stop down properly and aren't sticking. Are the weather seals still intact? How much internal dust is inside (also not necessarily a bad thing)? Is the front element scratched? Small scratches shouldn't affect image quality. Check out the rear element (rear glass), too.
Some people don't always use a camera bag. They might carry a camera/lens by the strap and set it down somewhere inside the house. Then when they leave, they grab it and set it down in the car. At least the online stores try to be accurate with their descriptions because they know customers are buying sight unseen.