monks had only a short time to write the text because they had daily jobs and praying time so they didn't have that long
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Many days, as each page would have to be written by hand. Several scribes would work on a book, each writing different pages. If the book was for the Church, several monks could take a year or more, due to the Old English writing in Latin and many gold leaf religious water-coloured pictures. The printing press brought books to the masses (provided they had the money).
I would give it to somebody who is living on the street
If you spent 100 EVERY day... it would take more than 27 YEARS !
You could spend a fraction of a penny every second and spend a trillion dollars over a very long time. However to spend a trillion dollars in a certain amount of time it's $(1000000000 / Months * 2678400) per second. So over 5 months it would be about $76.67 per second.
The most formal kind of functional writing would be formal letters. This type of letter would be used in circumstances dealing with business matters or even when writing to a stranger.