I would have thought more likely to be making progress in additional
training, remaining a stable member of the forces, and climbing the rank ladder,
and less likely to be out getting into trouble of some kind (no, not every unmarried service-person, indeed).
Wouldn't it be more efficient to directly pay people for good behavior?
Or, if climbing the rank ladder is more important, pay low rank people less instead of incentivizing them to give their money to someone else to create pressure to earn promotion.