I came across this problem, too. The problem is when there is no penalty for not doing the task there is no incentive to do it at all. The idea is that the bi

I came across this problem, too. The problem is when there is no penalty for not doing the task there is no incentive to do it at all. The idea is that the big task could be done in some crazy last minute rush to save the money - with having done a lot of other things before.