There is a lot of good, general information in the article. As with anything, the homeowner should do their due diligence in getting enough information to make an educated decision. Should duct-work be cleaned? YES! Does it need to be cleaned annually or even every second or third year? Not necessarily. It all depends on a bunch of variables. You're right that a well designed and balanced system will deliver the right amount of air flow, but sometimes conditions outside the home/business, make it a necessity to get the ducts cleaned. As for mold? NO filter is going to address a mold issue. If you have mold, you have a moisture issue that needs to be addressed. Also, in my 38 years of experience in the HVAC and sheet metal industries, washable filters are one of the reasons ducts need to be cleaned. They are no where near efficient in cleaning/filtering the air to the level that they should.
Before we get to HVAC installation prices, we will first need to briefly discuss some terms, definitions, and factors that will affect how an honest HVAC installation company determines their prices. Notice that I said honest. Unfortunately, there are dishonest people out there. There always have been, there always will be, and there is a good chance that you had an experience with such a contractor, which is what drove you to read this article. I can’t teach you how to tell if someone is honest, but I can give you the knowledge to help you decide. Take a look at How to Choose an HVAC Contractor for tips on what to look for.
Refrigerant Metering Device -- Every HVAC system has one of these, and heat pumps have two. They regulate the amount of refrigerant going through your air-conditioner. If it fails, either too much or too little refrigerant will course along the lines and either not perform well or will overwhelm the compressor and cause it to fail. A total failure of this component will result in a complete loss of operation.
I took off stars for two reasons. Minus one star for issues trying to use the $50 for $25 voucher I purchased through Yelp. Although there was no minimum stipulated, the office wouldn't take it for the initial $59 diagnostic fee. If I used the 10% off First service that they offer, then they won't let me use the voucher on the actual repair bill.  I was stuck with paying the full $59 diagnostic fee.
At the state level the rebates are still substantial. For example, switching to a zoned system can get you a $100 rebate from various A/C companies, and state rebates are also included. In Pennsylvania a high-efficiency air conditioner alone can get you up to $300, and a high-efficiency complete HVAC system can see up to $1000. Maryland's incentives get up to $1,250, with a $100 rebate on a tune up of an existing system.
Manufacturers of products marketed to coat and encapsulate duct surfaces claim that these sealants prevent dust and dirt particles inside air ducts from being released into the air. As with biocides, a sealant is often applied by spraying it into the operating duct system. Laboratory tests indicate that materials introduced in this manner tend not to completely coat the duct surface. Application of sealants may also affect the acoustical (noise) and fire retarding characteristics of fiber glass lined or constructed ducts and may invalidate the manufacturer's warranty.
If you’re anything like most of our readers, you’ve spent hours online researching HVAC information in preparation for replacing your old heater or air conditioner. I’m the same way; it’s a big investment! You may want to consider saving yourself some time and money by getting an HVAC-Facts Report from this online HVAC installation cost calculator.  Take a look:

I hope that those customers you have with breathing problems don't follow your advice too closely. You are doing them a disservice. Dirt in your ducts does not always stay there, depending on what the contaminants are. I bet you tell your customers not to worry about mold either- just to kill it with bleach. Educate yourself before opening your mouth- You may kill someone someday with your opinion.

What if you move into a 20 year old house and find that the people who owned it previously NEVER replaced the filter? It was so dirty that the HVAC system did not work at all. For most people - duct cleaning is NOT a waste of time or money. You must not have allergies. I have very bad ones plus asthma. It makes it very hard for me if I don't get it done every few years. By the way - the ducts get dusty just sitting there - especially without air going through them. Dust settles on them just like it does the furniture.
Ventilation is the process of changing or replacing air in any space to control temperature or remove any combination of moisture, odors, smoke, heat, dust, airborne bacteria, or carbon dioxide, and to replenish oxygen. Ventilation includes both the exchange of air with the outside as well as circulation of air within the building. It is one of the most important factors for maintaining acceptable indoor air quality in buildings. Methods for ventilating a building may be divided into mechanical/forced and natural types.[16]

When central air conditioning service fails during a heat spell, you may have to wait days for an HVAC repair technician or an ac contractor to show up, and you'll probably pay at least several hundred for the repair. But if you're comfortable working around electricity and are willing to spend about $50 on parts, you can probably repair your air conditioning service yourself in about two hours and save about $225 on parts markup and labor.