Moxie is one of those words I haven’t heard in actual use in my lifetime. I’ve heard it in old British movies and some old American ones, mostly from the 1930s or 1940s, but it’s not what people say nowadays. In New York, if they don’t call it chutzpah, they would call it “nerve” or more accurately “noive” as in:
“Eh, buddy, you got a lot noive on youse.”
Another way to put it might be:
“That’s some set of balls ya got!”
This could as easily be referring to a woman as a man. Modernly speaking,”balls” is no longer an inherently masculine attachment. I’m pretty sure I’ve got bigger balls than a lot of guys and what do ya wanna make of it, eh?
The best word is truly chutzpah (חוצפה). You need a good solid guttural on the “Het” (ח) because it’s a sound the English language has no letters to express. Or, as we used to say back in that other country in which I lived:
“How’s your ח?
A good “het” (ח) is half a throat clearing with an “et” to follow and is where the letter “H” came from, before English lost its gutturals. Words like “knight” used to have a guttural and the GH was pronounced as (ח). Look it up. English was a Germanic language loosely mixed with Celtic (which has gutturals) and French, which probably had them, but lost them to that back of the tongue rolling R.
Chutzpah doesn’t merely mean (as per the dictionary) “the ability to face difficulty with spirit and courage, or aggressive energy and initiative.” It also means a willingness to stand up to possible danger. To step out of your normal comfort zone and put it all out there and not care whether or not you offend someone. Although it is not necessarily offensive, it is definitely gutsy, determined, forthright, and assertive. And somehow, essentially Jewish.
You do you not need to be Jewish to display chutzpah but it helps. Some people are just like that. And being born and raised in New York or New Jersey could do the job and I’m sure there are lots of other places that have the right attitude.
It is an attitude, y’know? You got that?
So if you need to return that thing to the guy who did that other thing and you absolutely want your money back — no stupid restocking fees, either — moxie might do the job. But if you seriously need to get the job done?
Chutzpah. Gotta have it.
Trust me. I would never lie to you.