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Many people find it hard to honour promises or achieve goals and resolutions. Fear of monetary retribution can be a good way to hold them accountable
There used to be laws on breach of promise, but only in marriage related matters. Unfortunately, they have been phased out in most countries. https://www.law.cornell.edu/wex/breach_of_promise
Cool idea. Broken promises are common, and the best you can do is call out someone for not honouring them.