https://www.beeminder.com https://www.beeminder.com has some similarities to this idea. You have goals that are tracked over time (lots of options on that) and

https://www.beeminder.com https://www.beeminder.com has some similarities to this idea. You have goals that are tracked over time (lots of options on that) and if you derail they charge you an escalating amount. Money goes to them rather than charity, but it's still money lost to you. I've been using it for several months and I'm quite happy with it. Been charged ~5 times for different goals, to the tune of maybe $40?