But for an individual, i think the bigger challenge is motivation, discipline, dedication, commitment.

I definitely agree with the above.

I found my way around this by doing weekly check-ins where I report on progress and accordingly formulate strategies for achieving said goals. Those reports are meant for no one but me, but they allow me to:

a) Measure my progress

b) See what's working and what's not

c) Most importantly, hold myself accountable

Such reports are a version of looking myself in the mirror and talking about the week that was, my habits, and the progress (or lack thereof) I made. Furthermore, at least for me, the mere act of writing allows me to crystallize my thoughts on a topic, lends clarity and ultimately provides an infusion of motivation to keep working toward my goals.

Of course, what works for me might not work for someone else, and we all need a different framework based on our individuality, but I hope I was able to add to your point surrounding accountability.

edit: Formatting