dougp:
IMO it's not right to find something in the open then restrict its use for personal gain.
Many of the Open Source licences are quite comfortable with personal or commercial gain and are primarily there to prevent any attempt to restrict the Open Source nature of the code. And also. perhaps, to avoid any warranty obligations.
IMHO it would not make sense to refer to or rely on any licences without understanding the content of the licence - and legal jargon is not the easiest to understand, especially the nuanced differences between licences.
For example, one particular thing to be aware of is what country's legal system governs the interpretation of a licence.
...R