1. yes I am, studying years to be a doctor, lawyer, Engineer etc from your point of view is also to much? Should you just start cutting people to figure out how a body works end expect for everything to be ok once you are done? The point being, yes you have to study to learn something, there is no way around it.
2. If money is a concern to you, then I should focus on learning how exactly the billing works and how to monitor correctly. This way you can build a product the right way, not to mention AWS by default has limits on their services set with limits that prevent you from doing something incorrectly. For example you can only make 5000 requests a sec on the API Gateway, you can only have 1000 concurrent lambdas, you can spin only 25 ec2 instances, ecc... (true, not all services have limits like this - but then again, if you want to use one, the first thing you should do is check the pricing page, this is what I do fro every new service that I'm planing to use).
3. AWS is not for developers, it is meant for SysAdmins and DevOps (true that some marketing materials are not clear on this), they should be the one configuring it to allow developers to host their code. If you want a turn key solution, then there are better solutions, like Heroku - incredibly easy to use and understand and have a much simpler billing structure.
With AWS you can do anything you want, AWS provides lego blocks, what do you build with it is up to your imaginations, and for sure it is not meant to be use directly by developers who have no idea how networks, computers, databases, cpu, ram, policies, storage etc works. Developers should focus on coding, and SysAdmins and DevOps should focus on managing the infrastructure.
And if you want to learn AWS because you want to be a SysAdmin, then it is true, that AWS could have a plan for beginners with even smaller default limits, and limits set on everything - this way you could more safely play with what they have. This would be a nice things to have in this case for sure.
But because they don't provide such thing, you need to be the responsible one, and start learning AWS the right way, and not get in gun blazing, and expect all will be ok. My recommendation is to learn one service at the time. If you do this, over the years the acquired knowledge will be gold. Plus the more services you learn the right way the easier it gets.