It’s 11 years plus in the industry I have only had to sanitize two systems both were slab systems that were in concrete and could be cleaned with a different method than normal duct cleaning. We were able to use water to rinse out the disinfectant. Would you use a chemical on anything else you use to eat or drink with and not rinse it off? The ducts in your home should be thought of as your homes heart and lungs and breathe the same air that you do. And just like us we wouldn’t use bad chemicals in our lungs and heart.
All of you have dentists, you have doctors, you have preachers, you have mechanics. You don’t have to know everything about everything but you have to have people in your life that you can trust. Don’t just open up the phone book and pick a mechanical (HVAC) contractor. Call your friends and family and ask for referrals. There are no black and white (scam or not a scam) answers here.
1). Busy companies: The company is so busy, it doesn’t need the work. It will add 70% to 100% profit, and if the customer accepts the estimate, it will move that high-margin customer to the front of the line. This often happens in the worst heat of summer when overburdened ACs and heat pumps quit and the dead of winter when furnaces give up. This is a good reason to consider pre-emptively replacing your system once it’s about 15 years old and/or has had major repairs.
A small number of products are currently registered by EPA specifically for use on the inside of bare sheet metal air ducts. A number of products are also registered for use as sanitizers on hard surfaces, which could include the interior of bare sheet metal ducts. While many such products may be used legally inside of unlined ducts if all label directions are followed, some of the directions on the label may be inappropriate for use in ducts. For example, if the directions indicate "rinse with water", the added moisture could stimulate mold growth.
Some of these components can be repaired or replaced by the homeowner, such as filters, fuses, and clogged up drain lines. Coils, compressors and the other components are best left to a professional. In some cases, you may have a system that is so old that parts are no longer available or else they aren't up to code. In this case you will have to consider replacing the entire system.

You should be aware that although a substance may look like mold, a positive determination of whether it is mold or not can be made only by an expert and may require laboratory analysis for final confirmation. For about $50, some microbiology laboratories can tell you whether a sample sent to them on a clear strip of sticky household tape is mold or simply a substance that resembles it.
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