Question: Are we ever told exactly why Jerry needs the money? His $750,000 deal with the parking lot falls through and he owes GMAC $320,000. He is going to give the kidnappers $40,000, but then it's increased to $80,000. But he sets the ransom at only $1 million. So what is the deal?
ironcito
4th Apr 2006
Fargo (1996)
Answer: The business deal didn't actually fall through. Jerry needed $750,000 to proceed with it. He tried borrowing the capital from his father-in-law, who refused to lend it to him. Instead, the father-in-law wanted to invest in the deal himself and to give Jerry a small finder's commission. Outraged, Jerry devised the phony kidnap scheme so he could get the money to invest in the parking lot. (He never intended for his wife to be harmed.) Presumably he planned to pay off the kidnappers and partially repay GMAC with some of the $1,000,000 ransom money, and use the rest for the investment deal.
This is incorrect - he meets with the kidnappers before visiting Wade (the father-in-law) about the loan for the deal.
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Answer: This is incorrect. Jerry had already devised the kidnapping plot before his father-in-law refused to loan him the money. It's never stated why Jerry needs the money. He owes $320,000 to GMAC but why he took that money from GMAC in the first place is never stated. Jerry is a greedy person who got himself into massive debt. He even balks when Carl demands they get $80,000 instead of $40,000, when, if the plan works, Jerry would still get $920,000. He's greedy and desperate and is willing to do foolish things for money. That's basically the "moral" of the story.
Jerry's balking when Carl demands $80,000 could be acting on his part. That amount is supposed to be the entire ransom, so Jerry had to pretend as if Carl's demand was unacceptable. Jerry may well be greedy, which could be why he's in financial trouble to begin with, but in the movie he needs money out of desperation, not greed.
ironcito