Note to the filmmakers of Derailed: the Everyman hero is only sympathetic when he falls into a hole, not when he digs the hole himself. Charles Schine (Clive Owen) seems like a decent enough man, but every choice he makes spectacularly detonates in his face. We’re on his side at first, but by the fifth time Charles has a critical lapse in judgement, our faith in him has disintegrated, along with our patience.
The film starts promisingly enough. Charles, a middle class Chicago banker (with Clive Owen’s Brit accent), meets Lucinda Harris (Jennifer Aniston, trying too hard to get away from Friends) on the train to work. They hit it off, even though Charles has a wife and extremely sick daughter at home. Charles and his wife haven’t been getting along well, while Lucinda and her husband rarely speak. The scenes where they reluctantly but dangerously connect could put us off to Charles, but instead it appears to be an understandable mistake (the last one he’ll make in the film).
They rent a fleabag motel room to seal the deal, but the film switches tracks when LaRouche (Vincent Cassel), a vile thug, robs them both and rapes Lucinda. After he leaves, Charles suggests they call the police, but Lucinda stubbornly refuses. She doesn’t want her husband to know, although Charles’ face suggests that he is aware hiding this sort of thing can't work out.
So why doesn’t he call the cops anyway? Does it seem like a good idea for Charles to use the money for his daughter’s kidney medicine to pay off LaRouche when he comes snooping around the house? Could Charles at least go buy his own gun for protection? Whatever Charles should do, he glumly does the opposite, though a phone call could end the madness at any time.