This doesn't work as well as you might think, at least not for everyone. I've paid for programs, and still basically taken the same attitude towards them I would have had I got them for free. Granted, if everything I own was on the line, it'd probably be different, but $97 makes little difference (and I'm not rich, by any stretch of the imagination.)

I tend to realize when something is a sunk cost, so regardless of what I've put into it, if I'm not motivated to continue, I don't.