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What I don't quite understand is: what kind of person would rather pay 25USD to some -- for all intents and purposes -- unknown organization over a good friend whom they know will hold them accountable. Plus it'll be a whole lot harder to lie to a friend; with this, it's as simple as clicking the other button.

If the money went to the friend, it would be easier to recruit them. Although in that case, they will have a perverse incentive to hinder your progress. Perhaps it's better to have the money go to a non-profit org of your choice.

Ha. In that case I guess it'd be up to the user to choose their friend wisely.

An option to choose where the money goes definitely seems in order.

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