Your plumber knows his business and YES IT is possible for bacteria to grow inside your hot water tank.
You can thank the lawyers and politicians for this new occurrence.
Because people are no longer allowed to be responsible for their own action and they must be protected the powers that be had GAMA lower the hot water to a safe level to allow ANYTHING to live.
You haven’t seen nothing yet, give it a few more years and watch the old and sickly die from bacteria growing in these tanks.
The old lady getting burned from “hot coffee” is starting to cause ripples in every industry including plumbing.
Watch in the next few years all the problems associated with dishwashers not doing a proper job and MORE chemicals will be added to drinking water AMAZING