Some people just want to power their HVAC equipment on, get the desired room temperature and just start working. However, the equipment requires some more attention than they are willing to provide. If you too don’t care much about your equipment, you are just making it drastically reduce its useful life.
In the end, the cost shall only be levied onto your pocket. Want a way to avoid this cost? Try replacing the air filters often so that only well-filtered air reaches the equipment and does not clog duct inside, which is almost impossible to clean once settled.