The loser volunteers as a bingo caller at a retirement home, weaving their fantasy failures into every number: 'B-9, like the nine points my quarterback scored in the semifinal.' The residents are warm, attentive, and completely unsparing. Multiple sessions in strict leagues.
Budget note: this one costs nothing but dignity, which makes it a strong pick for leagues that would rather spend the pot on the champion than on the loser's downfall.
Seen in the wild: fantasypunishments.com