Sometimes it's an embarrassing task. Like the person might have to do something silly in public as they agreed upon in the bet. A man once lost a bet and had to sing a very cheesy song in the middle of a crowded street.
Another aspect could be that the leash situation is a way for the author to introduce some comical elements into the fanfiction. Hermione is known for her intelligence and seriousness, so seeing her in a situation where she has to abide by the rules of a lost bet and be on a 'leash' can create some really funny and unexpected scenarios. It can also show how she copes with being in a subservient position, which is very different from her usual role in the wizarding world.
Once she bet that she could learn to play a particular song on the guitar within a week. When she lost, she had to make my favorite dessert every day for a month. She put in a lot of effort into making those desserts, and it was really delicious. It was also a good learning experience for her about not making bets she might not be able to win.
I'm not aware of any fanfiction with such a title that would be appropriate for all ages. Fanfiction often involves the creative interpretations of fans, but this title seems to have inappropriate implications. It's better to focus on positive and family - friendly fan - created stories about Hermione, like those that explore her academic achievements or her friendships.
One common theme could be the idea of a power dynamic shift. Since there's a bet involved and the collar aspect, it might explore Hermione being in a more submissive position than she usually is, which is a big change from her strong - willed character in the original series.
The ethical aspect also extends to how society views such stories. Promoting or sharing stories that involve someone being naked due to a lost bet can contribute to a culture that is disrespectful towards women or people in general. We should encourage positive and respectful relationship dynamics rather than focusing on potentially embarrassing situations.
It's possible that the one she lost the bet to is a rather mischievous character. So, Hermione might find herself in a situation where she has to put up with a lot of pranks while being 'on the leash' so to speak. She could be made to do things that go against her usual studious and rule - abiding nature, which would be quite an interesting twist in the fanfiction.
One story could be that an adult bet on a horse race. He was so sure of a particular horse winning. But the horse got injured during the race and lost. As a result of losing the bet, he had to give up his favorite watch which he put up as collateral.
Here's one. In a family, two siblings bet on who could clean their rooms faster. The loser had to do the dishes for a week. One of them took too much time arranging their toys instead of cleaning properly and lost. Another example is a bet between a father and a son about who could build a better sandcastle at the beach. The son bet his pocket money but his sandcastle collapsed, so he lost.
Sure. There was a bet between two friends about who could run a mile faster. One friend was so confident that he bet his favorite book. But he lost because he tripped during the run. Another one was about a bet on a football game result. A guy bet his new cap on the wrong team and lost it.