Love how you’re thinking! I don’t have a thoughtful response at the moment but I just wanted to link to https://blog.beeminder.com/punishment/ by @tierrabluebird for some relevant background reading. Thanks for asking these questions!
Also potentially relevant are some notes I have for a future blog post tentatively called “Paying Is Not Punishment” (there’s also some discussion in another forum thread) as a sort of followup to “Derailing Is Not Failing”.