Why I Rewatch It’s A Wonderful Life Annually and Get Frustrated with This Specific Villain (Not Mr. Potter)

Each year, It’s A Wonderful Life evokes a spectrum of emotions. I find myself profoundly moved as I witness George Bailey repeatedly shelve his aspirations, carrying the heavy burden of his dreams unfulfilled. Yet, the story ultimately shines with a radiant and uplifting essence that makes the journey worthwhile.

As the movie culminates in the tear-jerking moment when Harry proclaims his brother to be “the richest man in town,” I’m certain to have tears of joy streaming down my face. This classic Christmas favorite holds a special place in my heart, and attending a local theater screening on Christmas Eve has become a cherished tradition for many, including myself. “Merry Christmas, movie house,” indeed!

Amid the joy, melancholy, romance, and aggravation, there lurks an emotion that isn’t often discussed: anger. While this sentiment is typically directed at Mr. Potter for his ruthless greed, it’s important to recognize another character—the one who, year after year, triggers my ire.

My Frustration With Tom in It’s A Wonderful Life

A Distinct Character in Bedford Falls

George and Mary with money at the Building & Loan in It's A Wonderful Life

One part of It’s A Wonderful Life that triggers my anger occurs during the bank run. Tensions are already at an all-time high—George can’t resist rushing back to manage the chaos (after all, that’s just who George Bailey is). Meanwhile, Mary sacrifices her honeymoon cash to uphold the Building & Loan, ensuring that customers have the funds they need until banks reopen.

While Mrs. Davis kindly accepts only $17.50, Tom’s obstinacy is infuriating—demanding the full $242. Despite the collective sentiment of cooperation in such a grave situation, Tom’s refusal undermines the community’s efforts. His selfishness becomes apparent when it is revealed that the Building & Loan just barely ends up surviving by a mere $2, thus avoiding Mr. Potter’s clutches.

Tom’s actions epitomize one of the most frustrating displays of selfishness I’ve ever witnessed in a holiday film. Ideally, George should have denied Tom his request to close his account.

How Tom Reflects Realistic Human Behavior

A Reflection of Bedford Falls’ Complexity

Although I can’t shake my irritation towards Tom, this emotional response is integral to the depth of the film, making it a must-watch each year. It’s A Wonderful Life focuses on the intricacies of human nature, revealing our capacity for both good and bad. This complexity enhances our appreciation for the characters who embody the best of us.

The film thoughtfully illustrates that most individuals—unlike Mr. Potter—have multifaceted personalities. George, portrayed brilliantly by James Stewart, exemplifies this intricacy. His portrayal allows viewers to see his flaws, moments of anger, and darker feelings alongside his innate generosity, which makes him relatable and endearing.

As noted by Simon Gallagher in Screen Rant, “Stewart drives the whole film forward. You can trace back every remarkable performance in cinema to him. The timeless feel of the performance comes from Capra’s brave exploration of darker themes. George is far from a flawless hero; he experiences outbursts, moral conflict, and raw vulnerability. He is human—an often overlooked quality in theatrical narratives.”

Thus, Tom’s self-serving reaction in such a dire situation highlights a realistic portrayal of societal behavior in 1946—one that resonates today. While I am bound to feel heated frustration towards Tom once again this year, I acknowledge that this anger adds to my enjoyment of the film.

The Ending of It’s A Wonderful Life Offers Redemption for Tom

Indeed, the Ending Is Perfect

In the climax of It’s A Wonderful Life, Tom redeems himself as he joins the many residents of Bedford Falls who rally to support George by contributing money. Although I can’t confirm if it’s indeed $242, Tom’s participation highlights a key message of community and support during times of need. However, I can’t help but cringe at his flippant “what’s this, another run on the bank?” comment. Tom, read the room.

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