What's the use of Bitcoin Core Testnet?

I'm just curious anyone experimented before?
Let's assume you want to code a new wallet or an exchange. It's very risky to test all the bugs on the live Bitcoin chain. You can lose a lot of money. That's why you do all the work on the testnet. BTC on the testnet is free and nobody cares if you lose it.
 
It's fake money so you can build a whole system using it and not spend $$$ testing.
 
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