from what I've seen bananas on the tree would be too green, but that may just be because they're harvested before they ripen.
I cant see that picking up a banana off the floor and eating it is much of a risk, its sealed in a skin.
When I was in Morocco the rule was never eat fruit that doesn't have to be peeled. Moroccan water isn't clean, contains fecal matter and nasty parasites and bacteria. And fruit is watered with the stuff and washed with it, so you never eat salad, grapes, apples (unless you peel them yourself) etc. Bananas, oranges etc are safe. Oh and never drink anything with ice cubes in it unless you know the barman freezes mineral water.
How wrong it is for a woman to expect the man to build the world she wants, rather than to create it herself. ~ Anais Nin