Well, the good news is that there are lots of signs that they are not scared of you 100 percent, so we can look at the good things first. They take food from you, you visit with them every day and they will even climb on your arms and shoulders, so that is awesome, really.
I know the other part is very frustrating for you because you want to cuddle and hold them, so I understand. They seem to just have an issue with the SCARY HANDS (ominous music please)
and this is not something that has never happened before, but sometimes rats can have a real issue with hands, but normally I have usually seen this in cases where rats were previously mishandled, held by their tails, or other horrid ways of handling ratties and it makes them tremendously gun shy of being picked up. I have no idea what their background was before you got them, and no one really knows how they were handled before you adopted so it is a hard one to pinpoint.
I am hoping Storyseeker, Lilspaz or Breyer might have some good tips for you on this as I have never personally had issues with my own ratties on this topic. (Although one of my current boys, Maximus, thinks it is "funny" to sort of run off when I go to pick him up, even though I know he wants to go for a ride or over to this play area or to come with Mommy over to the living room to hang out, so then I say, "Okay, then, see you later!" and I start to walk away, and as soon as I do, he RUNS back to me to get picked up. My silly boy. Ha.)
You are being SO patient and I know your rats are very fond of you, so do not take it personally if they are having some hand issues with you. I really do not think it could be anything that you are doing!