Here’s a modification I’d like to present to the system that I described earlier:

May the money that one person receives from the other person who has failed to live up to his/her progress for the week be used to purchase a gift for that person, which is to be given when he/she meets or exceeds his/her expected progress ​for the next time. This way, it ​is not a fear-based battle of greed, but an exciting challenge filled with friendship-building generosity.

I KNEW there was something wrong with the system as I had originally laid it out…