I actually have spent quite a few hours in a military aircraft conducting training in a MOA. I too was a civilian pilot and instructor for 10 years before I ever got into a military aircraft. This isn't a military vs. civilian argument, nor is it an argument of who has the right to what airspace. This is a matter of how the airspace is regulated. I agree 100% that it can be dangerous when civilian traffic starts intermixing with military traffic in these MOAs. God help the poor soul that decides to roll through a Tweet MOA.
My point is that there are a lot of high-speed maneuvers going on in these MOA's but for some reason the FAA and the Military see no reason to keep the respective traffic in these areas separate. ATC will vector IFR traffic around a MOA, but the regs set no limits for VFR aircraft. Until such a time that the rules change (and I would support that), GA pilots should continue to use extra vigilance, request flight following, and traverse MOAs as necessary.
As for the "50$" comment... you know as well as I do that money plays a much bigger part in the flight planning of a civilian pilot than it does in the military. Sure we have all these fuel-saving initiatives and whatever in the AF, but when some 16 year old kid is trying to knock out his private pilot cross country, that $50 in gas is a big deal.