When the incentive to finish a goal shifts from the innate satisfaction of completion to a fear of financial penalty, is it possible that the goal itself will unintentionally change in subtle ways?
its called the Token Economy Problem. tl:dr; using tokens as an external motivation mechanism transfers away from buidling internal motivation. (e.g.,$5 for each book a kid reads gets a kid to read books for $5 bills and not for love of reading/imagination/thinking. $5 tokens run out? Kid stops reading.)