I’m definitely in the “but not being able to archive goals immediately is the whole point” camp. What would keep me on the hook if I had a button that just let me say “ah fuck it this is too hard”?
There are definitely circumstances where I’d like to be able to archive a goal immediately, but it’s mostly when the goal is safe to leave flat for a week and I know I’m not going to do anything towards it in the meantime.
As a random idea which I’m not even sure if I actually like, how about being able to pay half the amount you’re on the hook for to archive immediately?