Hi ashbyis. There are two options.
If you use the default one you can always ask them for the money back. But if you choose a more harsh option they will ignore you requests to give the money back to you: http://prntscr.com/c1cz1s
It is a bit harsh but it is also very effective. :)
And I believe that there is an option to send a part of the money to charity of your choosing.
That was going to be my next question was whether it was linked to charity. I believe its effective haha it would definitely motivate me. Thanks for the article!