Then go ask an affiliate/partner to help you test.
To let you spend real bits on a channel that’s not even an affiliate, just because they’re whitelisted as a test channel, would be a silly way to let you bypass the affiliate/partner requirement to be a Bits enabled channel.
Also, if a channel isn’t an affiliate or partner, then they have no payment system setup to be paid the bits, they’d just vanish. Even if a it’s an account that has gone through the extension onboarding so has completed the tax forms and set up a payment method, they’re still not eligible to receive bits as they’re not an affiliate or partner.