Loss aversion is one of the most reliable forces in behavioral psychology. People work twice as hard to avoid losing $5 as they do to earn it. Reply or Pay puts that to work for your friendships. Set a reply window, put a small stake on it, and watch what changes.
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Now maybe go reply to that text you've been sitting on for three days.
Choose your reply window and a small dollar amount. The amount matters less than the commitment. Even $1 rewires how seriously you treat a deadline.
Message in, window open. We track it in the background. You don't need nagging. Knowing money is on the line does something to your brain. That's the point.
Reply in time and nothing happens, just a good habit reinforced. Miss it and you pay. A few rounds of this and something actually shifts. That's not magic, it's behavioral science.