Use a quality brand cold water detergent.
Presoak cycle helps too.
Use a detergent with beach alternative for whites if you're not on public sewage.
Hot water has other inherent risks, such as scalding a guest in shower and fading clothes.
There are sanitize settings on most machines, however the highest temperature setting would unlikely be hot enough to kill mold and viruses.
You can't always use the highest dryer settings either less risking damage to delicates and fading.