As mentioned by Metalhead88, most of the good filter bacteria lives on hard surfaces with good water flow, and the vast majority of beneficial bacteria lives on filter materials in the filter.
There's a lot of bad bacteria, viruses, fungus and protozoa that cause diseases and these live in the water where they float/ swim around looking for a fish to infect. Bad microscopic organisms also live in gunk in the filter and substrate. Doing big water changes and gravel cleaning help to dilute these harmful microscopic organisms.
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The filter pads and other materials in the filter hold the beneficial bacteria and if you throw the pads/ materials away and replace them with new pads, you get rid of the good filter bacteria and the tank will cycle again.
If you have filter pads in your filter, you should squeeze them out in a bucket of tank water and re-use them.
If you have carbon (black granules) in the filter pad, you can cut a slit in the top of the pad and tip the carbon out and throw it away. Then squeeze the pad out in a bucket of tank water and re-use it.
You can get round/ cylindrical sponges for some brands of internal filter. These sponges have a hole through the centre and fit over the intake strainer of most external power filters.
You can also get sponges that can be cut to fit your filter. I use AquaClear sponges but there are other brands and you use a pr of scissor to cut them to size.
Sponges last for years and will save you money and provide a more stable filter for the fish. You simply squeeze the sponges out in a bucket of tank water every 2-4 weeks and that's it.
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If your tap water has 20ppm of nitrate, then the lowest your tank will ever get to is 20ppm.
You can fill up a large container with tap water and put floating plants in it. The plants will use the nitrate and when there is 0 nitrate, you can use that water to do water changes.
You can get a Pozzani Filter to remove nitrates from tap water.