Testnet are for testing and unless you're a developer or someone who really wants to learn through practice you don't need to use it.
But what do you mean by trying to monetize it? As in using it to learn how to create an altcoin or something?
How much skill do you need in order to use this? I hear all this talk about being a developer and I am not sure what that exactly entails. I am looking to learn more.
Anyone can use testnet and you use it in exactly the same way you use mainnet. Just start Bitcoin Core with the
-testnet option or, if you installed Core 0.13.0, use the provided testnet shortcut.
Why would you want to use testnet though if you aren't a developer?
I think you might be more interested in looking at the first 500 blocks of the actual blockchain. The testnet has basically the same chain, but there are occasional features tested. You may scan through the chain as closely as you want, really it is better to know which sets of blocks had active testing of this and that