Accountability is a tricky thing. Mostly though, it requires a certain amount of non-monetary social proof and community (on or offline familial, school, work

Accountability is a tricky thing. Mostly though, it requires a certain amount of non-monetary social proof and community (on or offline familial, school, work peers, friends) to really make that feeling of accountability 'stick'. You need someone around who's like, "Hey, this thing you're doing is important to ME that you finish/do it for no other reason than we like to see you being awesome and happy, not because there's a financial reward." Figure that out, and this could work!