I can't believe they would reject a pitch just because it was so detailed about what the creator wanted.
Well, again, like I said, if it's a written proposal, or something like that, they're bound to reject it, because they're not going to want to read it anyway.
Regarding test pilots, are creators supposed to just use their own money to send a test pilot to companies or networks, unsure if they'll even get picked up (I guess that's not too different from a company spending money on a pilot or test pilot, except it's an individual without much money)?
If a network's interested, they'll give the producers a budget to create a test pilot for them, so no, they don't have to dip into their own pockets.
And if the creator doesn't have experience in the business, are they just supposed to get a camera and whoever they can get (as opposed to people who would be cast in the end)?
Well, they have unions for production personnel, like cameramen and such, so they probably just hire union workers to get the job done for them. As for actors, with a few exceptions, the producers go ahead and hire who they want to play the parts. In some cases, recasts do happen if it turns out the original actors aren't suitable to the producers' tastes, for example, in the original test pilot for THE MUNSTERS, Lily (who was called Phoebe and looked more like a Mortica Addams Ersatz) and Eddie were played by different people, likewise, in the LEAVE IT TO BEAVER test pilot, Wally and Ward were played by different people.
But after reading this, I remembered that I have read that a pilot script for The Brady Bunch was written before it was pitched to the networks (and the networks all liked it but wanted changes). I guess that might be common, to write the pilot scripts and then send it to the networks (I wonder if the pilot scripts have non-script information about the show). I also remember now that an episode of Family Guy had Brian write a pilot script that had previously gone unpitched.
Yes, Ken Levine (whose written for shows like M*A*S*H, CHEERS, FRASIER, WINGS, EVERYBODY LOVES RAYMOND, among others) had once said on his blog that he and his writing partner wrote a pilot script for FOX, and FOX kept sending it back to them, wanting all kinds of changes made to the point that the entire script bore almost no resemblence to its original story, THEN FOX rejected it, saying it was, "Too sophisticated" for them.