"A lot of you seem to be forgetting that she says she could have extended the loan. Her boss even says: "Okay, it's your call." Christine had the chance to do the right thing and chose to do what would benefit her instead of someone less fortunate."
It's not that this is not understood, but the picture is that Mr. Jacks knows exactly what would be the standard company policy in that regard. So yes, it would cost her that promotion. He was testing her and she knew it.
"We don't know why Mrs. Ganush is in so much financial trouble, although it's reasonable to assume it's because she is old and possibly has some medical problems, which include medical bills."
That's the thing, the movie doesn't ask of the viewers to care, it rather tells a tale of morality. As far as we're concerned Ganush could've been in that financial trouble due to real misfortune, or simply due to laziness and neglect to adhere to the contract. Seeing how this would be her 3rd extension, and that there are repossessing people at her house, she had ample notice and time to address this. Clearly she's shown to have a lot of people and friends who know her, not to mention, her grand-daughter.
"She also is from another country, which means she might not fully understand the American banking and loan system."
I don't know about that one. She has a thick accent, but she clearly states that she has been making those payments for 30 years. Hence, 30 years in the country. If that is not enough time to learn the language and the bank loan systems, then I really can't see who else is to be blamed for this.
"If Christine was such a good person, she would have offered that extension despite the fact that it might cost her a promotion."
I don't think anyone is arguing that Christine IS a GOOD person in the movie, rather someone who is trying to be one, and fails at it in this particular aspect. Further, one selfish act resulted by greed should not condemn a person as evil or not good, it just means that person is fallible as any other human being. Much like many, Christine is vain and she suffers from self esteem issues. Whether she fully realized this or not, that aspect comes to her first, being a good person second.
"Her encounter with Ganush is a clash of culture as well as age and economic status. We see that Christine lives comfortably. It's not as if she's having huge financial struggles. The promotion isn't a life or death kind of thing, it's just nice to think about having more money."
I don't think it's about a clash of cultures. Raimi simply chose the East European culture for Ganush for a Gypsy and black magic narrative, and of course, Lamia. The problem you suggest is just that, Christine can't see past that. Yes, her life and financial status appears solid and comfy, but as we clearly see, it's simply isn't enough for her, and she still struggles with numerous things.
"One of the reasons I like this film so much is it shows how one poor decision can completely alter your life. It makes you think whether it is more important to do what is morally right or to get ahead in life."
Pretty much, degradation of a human being and its character.
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