I wish for an online learning platform where I incur financial penalty to not completing milestones on time. Today... I can do whatever the hell I want 247 (ef

I wish for an online learning platform where I incur financial penalty to not completing milestones on time. Today... I can do whatever the hell I want 247 (effectively nothing compared to what's possible under stricter circumstances). We could talk about self discipline or whatever but that's a whole other objective too, so why not just focus on root issue. Command of choices. If for example my credit card were charged $100 every day I slide on a target? The specific implementation is obviously up for grabs but the context has been stated.