While Beeminder does collect when you fail, they make their money from people maintaining premium subscriptions for custom goals and other features. Curiously,

While Beeminder does collect when you fail, they make their money from people maintaining premium subscriptions for custom goals and other features. Curiously, one of the premium features is the ability to skip over the small penalties and start at a financial commitment that's too painful for you to let happen. Another premium feature is that some of the money goes to charity. They're dancing with perversity but they make so much more money if their system works for you for a long time.