Not sure exactly what you mean. It's winter, if you're outside and using your fingers for anything they will chap and crack. Gets worse as you age, as your skin gets thinner. The garlic and tea tree, which you cited as bleach but bleach is chlorine, not tea tree oil, well, they are for killing bacteria and fungus and are therefore drying, not moisturizing. You would use those to kill something you were infected with. Did your dermatologist give you a diagnosis? Because it sounds pretty normal to me, I've got cracks in all the fingers on my right hand from clearing things off the frozen ground in winter. It happens, and again, happens more as we age. What your dermatologist gave you isn't "organic" in the sense you're using it and free range refers to animals grazing, but if you mean to say it's got no harmful chemicals, it's pretty much all chemicals and they might or might not be harmful to you. Has alcohol, which is drying. If it's working, that's great, though. But it's not a natural product. Basically, the problem with that area is that lotion doesn't stay there -- even if you just adjust your blankets or your shirt it wipes off because you're always using your fingers. So if it's just dry skin, you can try consuming more beneficial fats in your diet, but well, that's what happens in wintertime if you use your hands outdoors and you get old. You can avoid it by not exposing your hands to the cold and not doing any work outdoors with bare hands. If it's some kind of infection, that's something else entirely.