Fair point. The good thing is that the name itself doesn’t matter that much if you think about all the communication cycle. Notifications and onboarding explanations are very clear about how the feature works. It’s always the user who is in charge and we alert them as they get close to the target.
Additionally the loop closes every month with a report that celebrates when the user manages to stay under target and encourages them to improve when not.
I might be wrong but I think it’s a good balance towards spending responsibility.