Why would anyone do that? Seems like a waste of a hot water heater that probably has a lot of life left.
People that do this probably throw out food the moment it hits the best before date too.
If you want a speaker you don't buy Sonos and say I turned off the drm, firmware and added a headphone jack.
If you want filtered air for cheap you buy a box fan with HEPA.
Hypothetically, yes, there's a perverse incentive, but is that what is actually happening?
A clogged filter can stress the fan motor which can A) increase power consumption and B)reduce overall product life.
Most consumers aren't really capable of this type of nuance.
A clogged filter is obviously full of dust and grime, anyone who can use a vacuum cleaner can understand that
you got it completely backwards, unless you have a very fancy and expensive ECM motor.
Increasing resistance decreases power draw, as the fan needs to do less work. You can test this by hooking up a vaccum cleaner to a killawatt and blocking the intake.
There may be concerns about cooling the motor, but it really doesn't take that much air movement to dissipate heat.
So you'll buy a replacement filter to make the warning go away, a filter you can't (easily) buy from anyone besides the original manufacturer since they DRMed it? Obviously HEPA filters do expire eventually, but there's a perverse incentive here for the warning to undershoot the actual useful life of the filter.