Soap being a surfactant is actually a major benefit. Warning: I'm dumping a bit of google research here, but it's from the National Institute of Health, so it's presumably credible.
While there are antibacterial soaps - and I always purchase those - it turns out the major benefit of handwashing isn't killing germs, it's washing them off your hands and down the drain. You get a benefit from washing your hands in even in plain water, though soap is better.
15 seconds of washing with regular soap reduces E. Coli by to 10^-1.72 (1.9%) of the original count.
15 seconds of washing with antibacterial soap reduces it to 10^-2.90 (0.12%) of the original count.
30 seconds of washing with antibacterial soap reduced it to 10^-3.33 (0.046%) of the original count.
Bacteria CAN survive on a bar of soap, and multiply. When you wash your hands with bar soap, you're transferring some of the bacteria to the soap, and the next time you wash, you're transferring some back before you start washing, where presumably it then goes down the drain. Which is an argument for using liquid soap, though you can still obsess over what's living on the soap dispenser.
Those infra-red controlled, touchless liquid soap dispensers you see in public restrooms? They're actually a benefit.