The short answer to our question is this: There are many good over-the-counter medications for fungal infections. These include clotrimazole and terbinafine. Just ask your pharmacist. As for bacteria, you can get bacitracin or neosporin without a prescription. These are less effective, but perhpas worth a try.
I agree that tea tree oil probably does not have enough antimicrobial power to do the job.
The kicker, however, is this: many people have red spots or crusts on their skin that they call an "infection" or "fungus" which really is neither. It may be a patch of eczema or an inflamed follicle. The creams I listed wouldn't do much for these, though they wouldn't be harmful either. That's why they come with disclaimers like, "If this doesn't work in 2 weeks, see your doctor." That would be my advice too.
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