Phil shot Howard as a result of he seemingly knew he had an opportunity of stealing the whole lot from him for himself. What did we actually suppose would occur to Howard, anyhow? He guess the whole lot on a high-stakes consequence and acquired concerned in some actually shady stuff. As we barrel towards the tip of the film, we discover, to our aid, that the whole lot works out for Howard.
Till it would not, after all, which makes the ending that rather more gut-punching. After the whole lot Howard did, he winds up lifeless, anyway. After Howard wins the guess (after making guess after guess after guess, giving us an insane quantity of film nervousness), Arno’s (Howard’s brother-in-law/mortgage officer) henchman Phil shoots Howard within the head.
Phil THEN kills Arno, after Arno is like “why the heck did you kill my brother-in-law?” Phil and Nico steal the whole lot they’re in a position to from the jewellery store as rapidly as doable, because the cops have been referred to as, because of Dinah, Howard’s spouse. The final we all know as viewers is that Phil and Nico make a run for it. Do they get caught? We’re unsure — and lots of are pissed off with this ambiguous ending.