But by the same token, an exploratory study requesting $30k for field work or sample processing could very well be evaluated by less skilled peers. Actually, I think I'm going to try and shop this to a friend at NIH. I'll fail, most likely, but at least I won't just be whining.
For example, pharma and big donors use the LLS review system as a "study section lite" to hand out grants larger than a typical R01. The paperwork and BS isn't really necessary at that level and just gets in the way. If something like this existed for "lark" projects, inside or outside of NIH/NSF, perhaps more diverse and potentially diversifying proposals would be worth submitting.
We shan't discuss scams like Komen here, but genuine research foundations can exist along a continuum.
EDIT: And to clarify, in the societies I know, general members do not directly take part in grant decision processes. Rather, the decisions are made by a small panel, possibly together with external reviewers. This is fairly different from crowdsourcing.