Current may indeed flow through your fingers but I dare say it would be "unbalanced current" and thus 310.15(B)(4)(a)would apply, no?
310.15(B)(4)(a)
A neutral conductor that carries only the unbalanced current from other conductors of the same circuit shall not be required to be counted when applying the provisions
of 310.15(B)(2)(a). (derating table)
