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I sort of get where you are coming from you basically want an easy mask based on alpha channel. Now I am sure there are many ways to achieve this but will it always work for every image I have no idea.

make a duplicate of your image layer and play with different black and white options maybe try image adjustment thresholds and tweak that so you have just a pure black and white image. Alternatively you can go to image >adjustment> levels. Once you have what could look like a mask if you were to use a normal mask select that whole layer edit > copy  and then paste it onto a layer mask.

That will essentially give you a pure alpha mat mask.

Alternatively you can actually use after effects masks on images just load the image or psd into after effects and copy the mask into ps.