Stupid and unconvincing movie...
The movie started off good, but the moment Craig agreed to hold the couple hostage was when it lost credibility. It was no his character at all to do such a thing, that the whole thing became a stupid mess afterward.
Craig went from being someone we cared about, the underdog in need of a little help (a situation we've ALL been in and can thus relate) to being a complete loser who's lucky to have a wife in the first place. Only the biggest, total and complete loser would chop their finger off for money.
Ultimately, the movie was just not convincing.
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How to Raise your Vibration! -
https://www.youtube.com/watch?v=kisIflFd_TE