Then every customer would have a financial incentive to always lie and say they completed their goals. It's already iffy with the 'lose money if you don't meet

Then every customer would have a financial incentive to always lie and say they completed their goals. It's already iffy with the 'lose money if you don't meet them' approach, but if you could actually get a piece of all the users moneys, yeah, you might as well say you're a winner (or only create goals where you can easily win) and game the system.