Monetization ideas using msfs2020

No. Not at all.
But the bottom line is that MSFS is neither an FAA, EASA or (more recently for us in the U.K. a CAA Certificated Training device - so cannot be used to Log Hours towards either PPL/ CPL or otherwise.

That’s not to say that it’s not a bloody good one and in terms of visuals trumps a $30M dollar sim in to a cocked hat.

I’ve flown Thales B777 at Gatwick and the view out of the cockpit window was disgusting - worse than FSX - without the DX10 Scenery Fixer by Steve.

But in the twice yearly mandatory checks for Airline Pilots it’s not necessarily all about the view out the window - it’s more about Memory Items in the event of EFATO, etc.