The great thing about the dream sequences is that even if you KNOW they are
dream sequences you can't help but feel the dread.

It does a great job of showing how precarious even a middle class life can be
if you make one or two financial missteps. Recall that he DOES have pretty good
insurance but would not have gotten his daughter's cochlear implant covered if
they didn't luck out and find someone who knew which number to call to get it
approved.

I honestly would have liked this movie no matter how it ended (or even if
someone had spoiled the ending before I watched the film). The fear that anyone
in the world can betray you, even those you most care for, is put on the screen
very convincingly. When Samantha (Jessica Chastain) says "This is what it means
to stay with us" in that final shelter scene you understand it intellectually
but can't help but side with Curtis (Michael Shannon) and feel "but what if it's
not over."

One of my favorite lines of the movie (which got some knowing laughter from the
entire theatre):

"That IS the co-pay."