Poppy to clarify- I didn't say that fungal infections have to have a white crusty build up, just that the ones I have seen tend to have that sort of appearance.
The fly spray we had problems with was oil based, it wasn't the citronella but the oil carrier liquid that was the problem. The areas that reacted got a heavier dose when applied and got the most sun, not necessarily the most delicate skin.
I haven't used hibitane for a while, it wasn't available in Canada for a bit, but I do think the ointment is effective against bacteria and fungus (so both of our ideas are covered - where's the smiley on this site?).
I think hibitane soap is chlorohexidene, but again haven't used it for awhile.
Of coarse we are both diagnosing off a brief description and a photo based on our personal experiences in possibly extremely different parts of the world so we could both be right or wrong