I hope when EA revives the whim system, they will also add to it so that Sims will get a negative moodlet (sad, unconfortable, furious or bored) from not earning a certain amount of whim bucks in a certain time span and a positive moodlet (inspired, happy, energized, focused) from doing so. That would be super cool!
The tuning could be done as a commodity that gets affected with every whim fulfilled.
If there were any accessible tuning files for the effect of whims, I would have modded it myself, but sadly the whim system is hardly accessible.