I have to think that the F-16 flying by the civilian - the pilot is probably having a relatively enjoyable time (as soon as they know it isn't a threat). It's like rolling up beside a toyata camry with a bugatti veyron (insert your choice super car).
Not even close. The last thing a civilian pilot wants is an F-16 rolling up. If that happens, there will almost certainly be a LEO waiting at the nearest airstrip waiting to debrief them. And likely a suspension of their license. Many times worse than the “I have a phone number for you to call” you get from ATC after a “normal” screw up.
