Very silly to talk about fictional films as unrealistic. Anachronistic, really.
I thought the story was simple and fantastically executed - better than its (much more expensive, shiny) Hollywood equivalent.
And although you are basically right about people themselves being to blame, (I live in a nice apt. and have never had debt in my life - I also live without the wasted cost of a mobile, have not had a car for much more than half my adult life, cycle, and walk A LOT, etc, etc, etc - people should live within their limits to avoid almost any financial pain)- however you are projecting upon the importance of the moral posturing of the film. Remember, he did it and justified not even that it was revenge for his father (particularly), but that he simply "hates banks". Perfect. He has to flee, he probably won't get he girl - simple, "realistic", Aussie touches to differentiate from Hollywoodian, yes, over moralising. Good ole Aussies and our ability to hate. Doesn't the national anthem have the chorus, "I'm not racist. I just hate everyone equally". :)
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