A very tractable example of this is a digital wellbeing app that restricts access to funds if you spend too much time on social media, or some other undesired habit. Enforce the value of your time using smart contacts!https://twitter.com/PaulRBerg/status/1219817543877242880 …
Wellbeing apps that try to limit screen time, such as Forest, are actually growing quickly. Now that fiat on-ramps work, you could abstract the fact that this runs via crypto, while not having to deal with banks
crypto.
Lock funds in a timelock contract
Sign a promise that you will do something
Make a friend the arbiter of the locked funds
If you did as promised, your friend releases the money for you, but if you didn't, the money is theirs.