Hi
you can make a background in several ways.
1. you can make a colour background in your themes options and then add the background.
2. you can make a background colour/gradient in photoshop or you can make a custom background with colour and images in phototshop and then upload it to you website.
or there is a third option - get someone to design the background for you.
You have to slice it in HTMl and later to add wordpress to it.
Yes, wordpress actually does make money. Two of the ways I know is through advertising on wordpress.com hosted blogs and offering premium accounts. this article might be useful http://www.bizmodeli.com/2009/12/29/six-ways-how-wordpress-makes-money/
You need to be 13 years of age to use the WordPress blogging site.
A Wordpress account is a account at Wordpress.com. Wordpress is a blogging plataform. With an account you can make comments and own a blog. Notice that you don't need an account to make comments, but having one improves the experience.
Both Blogspot or Wordpress provide free blogs. Though, it's <blogname>.<Wordpress|Blogspot>.com.
Wordpress
Can you possibly explain more.
Use Wordpress
Yes. You can make as many blogs as you'd like to on Wordpress, all for free. There are some upgrades that you would have to purchase if you wanted them, but you can create a good blog on Wordpress and never have to pay anything!
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The best tools you can use to make your own website are wordpress and any html editor. Wordpress will allow you to make a full website and management system with little effort and knowledge.
There are many sites on the internet where one can find background patterns for their blog design. Some of these sites include Pinterest, Blog Designs by Dani, WordPress, and Blogger Template Designer.