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In other words, like most library manipulation spells, Ponder gives you the best card out of some number of cards on top of your library

Much like Gavin, my favorite Final Fantasy game outside of the collaboration is Final Fantasy Tactics Advance

Thanks to cards like Grief and Gitaxian Probe, you can look into an opponent's hand before casting Cabal Therapy in order to ensure you hit a card that your opponent is currently holding

Before damage calculation, if this card battles an opponents monster: You can inflict damage to your opponent equal to half that opponents monsters original ATK

In Commander, 5 life for an opponent really isnt an issue