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"Ho ho ho! I'm sorry but our time is up. If you'd like to keep talking to me, please provide a credit card number. Merry christmas!"

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Better would be something along the lines of "You were only so good this year, and the time is up. If you want to talk more, you need to earn more good points with your mom and dad!"

No idea how you'd monetize that, though.

With 'in-app' purchases of course: 100 brownie points now only $10, hurry this offer won't last.

Somehow this device fits well with the Don't be a sucker video linked to elsewhere on this here site [1]. Good advice, valid in many contexts. Don't.

[1] https://news.ycombinator.com/item?id=45573025

Nah - I want something that one can monetize and actually makes the kids be good (somehow).

Perhaps a parent commitment that if the kids earn X many goodie (goody?) points, then the CC is charged, and let the parent control how they earn those X points.

Gamifying good behavior has been shown to be pretty effective with kids. See Kadzin.

"Ho ho ho! I'm sorry but our time is up. If you want to keep talking to Santa, go into Daddy's wallet or Mommy's purse and bring Santa the rectangular cards with the numbers on it. Now, let's play a numbers game! You read the numbers on that card to me, and I'll tell you what you're getting for Christmas!"

"Santa needs more money to function"

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