People are less motivated by these sorts of systems if they know the money will go to charity because giving to charity feels good. See https://blog.beeminder.com/anticharity
That's one of the problems with the concept of "anticharity" conveyed in the essay that costco shared.
Using positive/negative punishment (a thing being taken from you or a bad thing happening to you) can cause more harm than good especially if the harm caused exceeds the benefits obtained from achieving the goal.
Good essay by the way.