but I don't understand if we are meant to feel bad for the gypsy?
The sick old Hungarian woman in the bank? Sure. The hag-demon who shows up later? Hardly. But they are not necessarily the same. The hag-demon might be just another form of the Lamia.
In any event, the evil of Christine's original act is not mitigated by what the demon-hag does later. Even if Ganush and the demon-hag are one, Christine did not know this. She thought she was victimizing a helpless old woman, merely to score points with her boss.
She basically wanted money she had no intention of ever paying back...a bank is not a charity, she was on her third loan and felt hard done to because somebody finally saw she was a leech?
None of this is supported by the film. The situation was, she had paid her mortgage for 30 years, had plenty of equity in the home, and therefore was certain to pay off her mortgage with interest eventually, at best (for her) after she made her final payments, at worst (for her) at a later foreclosure. There was no risk, to the bank, in a little further delay. They could afford to show some consideration to a sick old woman who had made every payment for 30 years.
The bank was merely being predatory. Mr. Jacks wanted to force a sale of the home during a down-market (allowing them to "sieze the trapped equity"); and also to make a sizeable amount in fees (meaning they are overcharging, since foreclosure fees are merely supposed to compensate, not serve as an incentive).
Their investment was not otherwise at risk; and Ganush, by all appearances, was in the midst of a genuine medical hardship.
She had options too, she seemed to have a big family who could help or even care for her or if nothing else go into residential care.
She seems to have a granddaughter; a young woman who Ganush (to her credit) does not want to burden. That is the only family mentioned in the film. The people at her funeral are just people at her funeral.
Why is charity always someone else's problem?
And how is living in a hellish nursing home, at taxpayers expense, better than continuing to live independently at home for as long as possible? The latter is the cheaper option that is less of a burden to EVERYONE. It even costs the bank nothing (except things they are not entitled to, like "trapped equity" and overcharged "fees").
She was no frail old lady either, she overpowered Christine in the car so she was strong enough physically to take a job some place to try and show she was trying to pay off the loan.
Well ... that was probably the first appearance of the demon or what Lorna Raver calls "the demon version of Mrs. Ganush". Ganush may already have been dead at that point.
But even if it was the real Ganush ... she died that very night. Are you really going to try to argue that she wasn't really sick?
Mehhh if anyone deserved hell imo it was the old woman.
Well, I'm sure the demon deserves hell. It is, after all, a demon. But perhaps all 3 of them deserve hell. Still, there is not much evidence against the relatively-human Mrs. Ganush we meet at the bank.
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MonStar (12916)
5 years ago
I've never heard of a home mortgage loan with a term longer than 30 years. So the house should have already been paid off.
Originally, savings and loan associations held mortgages, not banks. The deregulation of the banking industry in the 1970s destroyed the S&L's. A bank might now be a service agent for whoever invested in the mortgage. Sounds like this crooked bank was continuing to collect on a mortgage that was already paid in full.
The situation was, she had paid her mortgage for 30 years, had plenty of equity in the home, and therefore was certain to pay off her mortgage with interest eventually, at best (for her) after she made her final payments, at worst (for her) at a later foreclosure. There was no risk, to the bank, in a little further delay. They could afford to show some consideration to a sick old woman who had made every payment for 30 years.
The bank was merely being predatory. Mr. Jacks wanted to force a sale of the home during a down-market (allowing them to "sieze the trapped equity"); and also to make a sizeable amount in fees (meaning they are overcharging, since foreclosure fees are merely supposed to compensate, not serve as an incentive).
Their investment was not otherwise at risk; and Ganush, by all appearances, was in the midst of a genuine medical hardship.
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