A disincentive is something that makes people less willing to do a thing — the opposite of an incentive, which pulls them toward it. Though actually, you will hear this word far more in money, work, and government talk than at the dinner table. A fine, a tax, extra paperwork, a long wait, or a risk of looking bad can all be disincentives. Companies and officials like it because it sounds neat: they can “add a disincentive” the way they add a fee. In ordinary speech you would more often say “that puts people off” or “that makes it not worth doing.” It is fairly formal. It is not just any problem. It is specifically a pull away from an action.