I have to give it a 5, because honestly, my wife loved it, so there is something there. It's not a "thinker", and it's not clever. I think the best way to describe it is a good movie you can watch while doing something else.
My biggest problems with the movie are below, but before that, the acting was good and there were some lines that were very good and jokes that totally landed. I honestly didn't realize it was a Steven Soderberg movie until the credits at the end. The lighting was good, consistent. The editing, well I'm not sure they had to work with and what the director/producer wanted, but I felt like it could have been better. Overall, I feel like the cast and crew were committed and gave their best.
The downers are mostly script related though there were some very poor directing choices (which is funny, because I said the same thing about the Ocean's movies, but they could get away with it because the script and performances were untouchable.)
1. There is so much talk about the area and the geography it became very clear 5 minutes in that the writer has never been to the area, they just looked it up on a map. Case in point, if this all happened in real life, it would be nearly a 5 hour drive to and from WV to Charlotte each time.
2. I had no connection with the characters. I just didn't care because they weren't set up, their needs/wants.
Why did Jimmy need to rob a bank in the first place? He didn't need that much money to move to Lynchburg (I mean if he's commuting 5 hours for a job in Charlotte, wouldn't a 4 hour drive to Lynchburg be the same or better)? Does he have a history of crime or robbing banks?
What motivated the idea in the first place? (Had the scene where he saved the worker's life when he was buried in the tunnel, been the opening scene (before credits) it wouldn't have come out of the blue and felt more natural.
A good example of not setting up characters, is that it was a good 1/2 hour into the movie before I realized that Milly was Jimmy's sister, not his girlfriend.
3. Why did his brother go along with him? Why was Joe Bang interested? Why would Joe Bang want his brothers involved when one of them had helped his wife steal Joe's savings? Why did Joe even want anyone else involved especially his brothers who opened their mouths about his savings?
Joe and his brothers never even had good chemistry and only a few minutes on screen together.
4. Adam Driver never had to go to prison in the first place...so why? If he didn't there was no need for the brothers anyway.
5. The story with the nurse was so weak...it really didn't need to be in there.
6. The FBI characters where introduced so late into the story it is just distracting. You have to introduce the main characters in the first act you can't pull them into the story that far in.
7. What was the point of giving the money back? The only people they screwed over were the Bang Brothers. But there never felt like there was any animosity between the Logans and Bangs, and there was never a suggestion the Bangs were even upset at the end when they got screwed over...so why?
8. Why did a multi-millionaire walk into a crappy bar in WV at the start of the movie? Couldn't Jimmy and his brother crossed paths with him in a more realistic setting like, the motor speedway that Jimmy was working at?
9. I didn't need the back story to the race car driver, that just ate up time and wasn't funny.
10. Why give that much money to the prison at the end but completely screw over the Bang brother who did more work? Why give the banker with the cake get money?
I was just kind of shocked this script was bought. The writer is apparently a pen name, so I'm assuming someone very famous who is likely an actor in the movie was the writer and that's probably the only reason it was picked up.
But after all that, most people don't get that obsessed with the story like I do (ie, my wife) and if you're looking for something fun, yeah I don't think you can go wrong with the movie...it could have been funnier, it could have been more clever, but it wasn't a horrible movie, just some very poor writing.