Working in the tech sector in the US there is a virus of the mind that everything you do, every activity should be making money.
If you write some code on your spare time, where can you sell it, how can you make money on it.
It leaves out the joy of doing something just for the joy of doing it.
It makes it less tolerable to have fun and do something you suck at.
Now there are a lot of people out there who are unemployed, underemployed, paid crap, from whom the day to day hustle is the only way to stay alive. This is not the monetization fallacy for this is survival.
In these conditions, you have no choice.
The monetization fallacy applies to endeavors that you do by choice in your spare time.
We have geniuses that have written code for the joy of it and have contributed greatly to the world. Doctors who discover cures and share them with the world. But these are grandiose acts and thus bad examples.
I suck at music. I will never be a rockstar, but I enjoy composing.
I it for the love of it, because it is fun. I know I will never make money from it.
Same with this blog I am typing into now, it will never make any money, but it I find (for some reason) pleasure in doing so.
So feel free to follow your heart, make a fool out of yourself, pick up a hobby, try to relax. Not everything needs to make money.