Beeminder is great. However, it's all automated and you cannot set huge penalties for single goals. Also, It's limited to things that can be verified from fitness trackers and other apps thats many people do not use.

WorkOrPay tries to add more human interactions. We text users daily to make sure they aren't starting slack off. We help them form reasonable goals. Do verifications manually, so the goals can really be anything.

We are a mix between beeminder and a life coach.