If people don’t “enjoy” wearing particle masks they are free to breathe smoke and filter the indoor air with their lungs instead. I have worn one for eight hours many times when walking around cities with awful AQI scores and by far the most annoying thing about it is the condensation. You also don’t need “perfect” insulation for there to be a benefit to filtering indoor air, the simple fact that it moves around less means that it will clean up in a way outdoor air can’t. The “air purifiers” you can buy with filters built in are easy to use but at the end of the day they’re nothing more than a fan and a filter with air being forced through it.
And as a final point, you seem to just fall back on the fact that there are shortages as an indication that there’s nothing to be done, and this will soon be “over” anyway. First of all, you don’t know that, and secondly, if you live in an area where this is happening, it will happen again sooner or later. If you have nothing at home to help you filter the air you’re breathing, at least prepare for next time. Disposable particle masks are not a waste of money, they’re cheap and last forever.