Daniel
I would not go buying the software youa re referring to but I am going to point out somewhting with respect to human behavior.

My wife wnet on a few diets and tried to do it on her own. It worked OK. She joined weightwatchers and paid money. She lost the weight and then got the luxury of not having to pay as long as she kept to her target weight. This is an empowering event. She gained control and simultaneously was penalized if she fell off.

Now you could easliy argue that she never needed to pay for weight watchers but the reality was that she was paying to achieve a certain outcome.

If someone who was disorganized about finances paid for a program and by paying were diciplined moving forward becasue they paid big bucks for a program than maybe they to achieved the desired outcome.

I am not going to judge as critically as others. Not everyone is good with finance or organized with their money.