Bacteria can and do grow between the carbon filter (that removes disinfectant chlorine and chloramine) and the ro membrane.
If that possible bacterial contamination gets reinjected into the hot water line, then someone may be washing their hands, washing their dishes, or even drinking it. For example, run the hot water in a kitchen sink, turn off the tap, and walk away. Some of that water is in the line between the handle and the faucet spout. Someone comes along later for a drink of cold water, turns on the cold to fill a glass, and out comes that first segment of now cooled, and possibly contaminated hot water.
This sort of cross connection can become extreme in some situations. In my college dorm, when too many people had both hot and cold taps on at the same time, water can leave the hot and enter the cold in some mixing valves, and our toilets flushed with hot water, and the cold water tap ran hot.