If you are in the idea stage, yes you should absolutely test your business idea, but the testing should not cost you any money. If you are planning to start a business you want to make sure your customers want what you are trying to sell, or there is no point in building the product or service.

The reason it should not cost you anything is because at this stage you should be able to talk to 30-50 potential target customers to get a sense of how interested they are in your idea. If you see consistent interest by 70 - 80% of the people interviewed,then your idea has merit and you should think about building an MVP.

As has been described by other answers here, you need to know the following
1. Know who your target customer is
2. Know how to clearly communicate your idea

Happy to talk if you'd like to brainstorm about how to test your idea.

All the best!
Fehmida