Yeah, i know what you mean.
This is something most people ask out of custom and politeness more than anything else.
Very few times people actually want to know how you are, it's something automatic: "How are you?" "I'm good! What about you?"
And both people carry on with their days, it's more of a greeting than an actual question.
No one asks this planning on starting an actual conversation about one's well being.
When people want to actually do just that, they're usually more direct and transparent about it, because it's more serious and they truly think something's wrong.
If we are honest, and answer "No, i'm not ok", it's just inconvenient unfortunately.
A couple of years ago i'd usually answer with: "Suicidal thoughts aside, i'm good!", of course, i was "just joking".