I guess I never expected people to stake their life's saving or even a day's wages on the thing at its current stage of development. It still doesn't make sense to me to do anything of the sort. Obviously some people see it differently. I will try not to repeat my mistake.
The same could be said about any currency or object, but to come to the forum to ask for advice, expect to get plenty of advice. The test network is there to test and if anything it would be the best place to start. You would want to move up to more production testing later on once you are certain that the test is doing what you want it to do and NOT what you want it to do.
You can't test for something looking for a certain result and end up getting 20 other results that you didn't expect and have no idea why they are being produced until each was examined later on.
You could always build you own network with the -connect=xxx.xxx.xxx.xxx option to make a private network of actual release version BitCoin clients and try to blow it up that way.