Cursed Night Terror

You take time to focus on an item deeply personal to a target. That creature must be asleep or unconscious for this spell to succeed. 

When the spell is completed you describe a nightmare for the creature you focused on to have. You can provide the specific details of the nightmare (falling, attacked by a dream demon, being berated etc. ). The creature must makes a Wisdom Saving Throw vs your spell save DC. On a failed save the creature suffers the nightmare you described.

If ritual is used on same creature 3 days in row it, that creature begins suffering from insomnia and becomes cursed. That creature can heal half its max HP, can regain only half of it's spell slots round down and have disadvantage on wisdom saving throws until they complete a Long Rest.

In addition, to make a long rest, the creature must make a wisdom save VS your save DC to sleep. For every night they cant sleep, the creature take a point of exhaustion.