A house breathes just like you an I.For example every time your clothes dryer comes on it automatically creates a negative pressure inside the home.So if air goes out of the living area it has to be replaced.....now look above the ceiling fan ....you see the cover...underneath that is a hole straight to your attic....Now the stuff on your ceiling fan you call dust...call it insulation,rat fecies or anything else that is in your attic that could be pulled in your due to a negative pressure.
fact is most homes have bad filter racks. when you insert the filter it doesn’t seal well to the sides so some of the air and dust bypass it and end up in the supply ductwork and into the house. Most of the dust in the supply ductwork settles down and doesn’t get blown in the house but some of it does when the blower starts up or when you put a new filter. If you have allergies or other health problems put in an electronic air cleaner, get your ducts cleaned and run the fan as much as you can afford. you can also get an ECM motor installed which is going to be worth it if you want to run the fan 24/7. If you have uninsulated metal ducts take down the ones you can and wash them. Then put them back and seal the joints. Cleaning the ductwork also improves airflow which is important to AC and Heat pump systems for efficiency. An electronic air cleaner will also improve airflow and static pressure because they usually have a much larger filter surface area. An electronic air cleaner also keeps the ac coil clean like new which means better efficiency and no cleaning needed. AC furnaces sometimes grow mold around the coil because of the condensation. Electronic air cleaners should be able to filter mold spores but the best remedy is installing a UV light next to the coil which will kill the mold.