I have fingered my girlfriend quite a few times now. I can only get one finger up there and she never seems to react, just stands there as if nothing is going on. Am I doing something wrong?

Is it a valid concern to be worried about my boyfriend washing his hands before he fingers me? I know he should if he has semen or pre-cum on his hands, but as a guy he hardly washes his hands. You know how some guys are and if I tell him he still won't do it. Could I get infections or could he spread germs that have been on his hands this way? I know the vagina keeps itself pretty clean, so should I do anything about it? Thanks a lot.