Not op, but surgery strikes me as an example where there's effectively 0 pay-off until you finish everything. I personally wouldn't want the surgeon to sack it off without sewing me back up.
Another example I can think of is escape velocity. I'd venture that the principle you're asking for is "phase change", where a threshold gates a drastic change in behavior.
Phase change in physics certainly is an example of a narrow peaky distribution, I’m just not sure how often that kind of distribution is a reality for human behavior, which is what the top comment was reacting and referring to. I can think of a few and was just arguing they exist in another thread elsewhere when it comes to pricing and consumption for scarce-resource high-demand economics. So they’re out there, but I’d be pretty hard-pressed to agree that these are common enough to make claims that they’re equal to distributions with lots of variation. It feels like the top comment was making an assumption, arguing that the Pareto principle is a made-up idea that’s just as common as other made-up ideas, but that’s not really true.
Distributions of behavior that are perfectly flat like you suggest might exist, but are less common in large populations or samples. Do we have any names/principles/laws relating to flat distributions in nature or human behavior? I’m curious if you could give some examples of what you’re thinking of, the situations where there’s 0 payoff until all the work is done, and what basis there is for claiming this is equally true and common as varied distributions?