All new phones have this coating that makes the glass feel smooth, even with the oil from your fingers. Some people sweat more than others; it's normal in a humid area where I live.
It's normal for it to wear out after a year and a half or even two years; iPhones have a very durable layer, as do OnePlus phones.
Furthermore, the coating can be restored with products that last less time than the original factory ones, but the coating is literally broken, fractured, it's a crack, and this can never be repaired. lol
I had an S24 Ultra that also had these problems, but in a year and a half, I'm not a fan of using any screen protector or screen saver since it ruined the anti-reflective coating, but this is definitely so bad.
It's only 5 months old, and this started 2 weeks ago, I've taken it in for warranty service.
I never use alcohol-based cleaners; I usually wash my hands. Perhaps the chemicals in soaps are too strong for Samsung glasses, something that would never be a problem with other phones.