This is definitely a system design issue. There is a pleated filter solution for almost any system, and they are the PREFERRED solution, but they aren't cheapie 1" deep filters. Even MERV 13 filter in a system designed for <400 feet per minute velocity at the filter can deliver a very low static pressures well under 0.2" w.c. , and ULTRA clean air (even get's most of the PM2.5).
To get the
really low static pressures and super filtering capability it usually takes a bit of sheet metal work to accomodate an Aprilaire 2400 or similar, but worth it for anyone with allergies. The thickness/depth of the media element of better pleated filters is on the order of 4-10" not the 1" cheap glass filters that don't stop anything smaller than a moth (or a mouse). But the total surface area of those very deep fan-folded pleats is many times the cross sectional area of the duct, and the static pressure drop is very low. With better filters the heat pump coils stay clean, as do the ducts.
To get the same low low pressure drops out of a 1" pleated filter the velocity at the filter has to be under 200 feet per minute, which is possible to achieve in some systems, harder in others.
I ended up installing an Aprilaire 2400 (~8" deep media)at my house (my kid has athsma), and usually run MERV 11 or better media in it, swapping it out once a year. When the hamster escaped and (fortunately) ended up in a return duct he started making a nest out of the stuff, and survived well, none the worse for wear when I pulled it out. The media replacement cost about as much as a new hamster though...