great movie but horrible last act

this movie was very good but the last act completely ruined it. why would he risk his own family's security to save some guy's family? it makes no sense. it's not like he had other jobs that he could do. he was literally homeless when he worked for rick and rick made him rich and comfortable. evicting people is just a job and somebody has to do it. people were betting on crazy stuff and lost big and lost their house. it's nobody's fault but their own. hating on the guy that actually comes to your house to tell you that you're evicted is really stupid. he's not the one doing it anyway, the cops are. he doesn't own your house. the bank does. all rick carver did was steal from the government and the banks. he should actually be a hero here. i'm not sure what the situation was with that family who went to court but it sure as fk does not have to do with anyone robbing them. they borrowed money banking on the housing market raising even more and couldn't pay it back. that's it. rick was totally right about everybody having a sob story but in the end, they caused it themselves. i would have liked this story to be such that they rise up and get caught on their scam rather than garfield having a crisis of conscience. that makes no sense. he also should've had a wife and son and not his mom. his wife enjoys the new high life like in drug dealer movies. this was a good spin on that concept and garfield and shannon were phenomenal actors in this movie. it was very good until that terrible plot turn.