I’m sick of the cleaning

I am sick of cleaning the inside of my cooling unit. Every week there is something new and disgusting in my AC unit. No matter what I buy, install or have the HVAC professional do, the air conditioner is always gross. First, the air filter on the device is always clogged with dust. I heard that the air conditioning filter can be changed monthly. I do mine every 2-3 weeks because I can’t stand the dust inside of it. I thought buying a HEPA filter would be better. Nope, I actually had to change the air filter more. Next, I always have some sort of fungus growing inside of the AC device. There is always mold on my cooling coil. I heard that installing UV lights would help this issue. I installed Ultraviolet lights and the mold is still quite prominent in the A/C plan. To make matters even more sad, sometimes I have mold all over my lights. Another issue is the condensate drain with the cooling unit. The drain is always jammed up. It usually clogs with algae. I always know when it is time to clean the drain. There is a big puddle of water all around the AC system, staining my carpet. I then open up the AC and muck out the drain. I hate that job the worst. What can I do to keep the AC device clean? Is my house abnormally dirty and this affects my AC equipment? There must be another step I can take to ensure the cooling unit is not gross.