I think the one part that is unbalanced - that just occurred to me is that it violates the approach to saves. Normally a save results in 1/2 or all damage negated. Spells where damage cannot be avoided usually require a line of sight to hit roll - like a Ray of Frost. This spell breaks those rules. Fortunately it is homebrew, so I can DM the results if it gets out of hand. Do you think I should add a "to hit" requirement?One more thing:
Are there any other spells that allow for an object to be magically created within a target's body? I can't think of one off-hand, but I don't know if this spell would violate general RAI.
As to having gallstones, I don't think so. I have however had a stupid attack where I ate a 3 lb bag of sunflower seeds whole. I had been yelled at to add more fiber to my diet. And I figured if I chewed the shell enough it was just fiber, right? Well, the shells all banded together into what I swear was a 6" diameter wood cork. So, while I lack the one medical experience, I am probably one of the very few people who has had to go to the emergency room for constipation. I do know how much an immovable object can hurt, lol.