C. difficile is normal fecal flora. When your gut flora is healthy, it's not ever a problem, but in those who are or have been on long term antibiotic therapy, it can become one. C. difficile has low level resistance to several common broad spectrum antibiotics so it can survive in the gut even when everything is killed off. At this point it can overgrow and cause pathology. It can also acquire a higher level resistance to antibiotics this way.
So, where it this most likely to happen? In a hospital environment where there are many patients recieving longer term antibiotic therapy. C. difficile causes painful cramps and diarrhea and is shed in feces.
So, C. difficile lives in you. You're going to come into contact with it every time you wipe

. If you are immunocompromised and you are exposed to a resistant strain or you have a gut flora that is all but wiped out, it's a big issue. If you are healthy person with a healthy gut flora and you're not taking antibiotics, you're good. Still not something you want your baby carrying/exposed to.