Jake agrees with this, and so does Karolinka, so this is the point of agreement. Jake states this directly as a premise. Karolinka talks about antibacterial products producing antibiotic-resistant bacteria, which requires killing off the non-resistant bacteria.

Neither speaker talks about how effective antibiotic cleaning products are at removing dirt. The conversation is just focused on how the products affect bacteria.

Karolinka agrees with this, but Jake never expresses an opinion. In fact, Jake most likely disagrees, because he recommends using antibacterial cleaning products to minimize the amount of bacteria in a home. Creating resistant bacteria doesn’t sound like minimizing anything.

Neither speaker talks about how serious of a health concern is posed by common household bacteria. The only possible harm mentioned is when Karolinka talks about antibiotic-resistant bacteria, and even then there’s no indication of how serious a risk that would be.

Karolinka disagrees, but if you look closely, Jake doesn’t express an opinion. Jake only says that if people want to minimize the amount of bacteria, then they should use antibacterial products. Also, even if Jake stated an opinion, he would probably not agree with Karolinka.