Frauds

Roland Copping is an unscrupulous insurance investigator and master of pranks who hunts the Wheats with a chilling, methodical patience. He weaponizes fear and 'new evidence' to bend others to his will, showing no hesitation to escalate the game's stakes. His charm masks a ruthless hunger for control and money, making him the architect of the film's ethical collapse. He operates with a perverse sense of fate, treating people's vulnerabilities as tools to manipulate.

Jonathan Wheats is the Wheats' husband, a resourceful man who becomes entangled in Roland's deadly game. He pushes moral boundaries to protect his family and outsmart his foe, even as the plot reveals his own complicity. His quick thinking and willingness to gamble with the truth drive the film's twists and eventual confrontation. Ultimately, his actions contribute to the fraud, complicating his moral stance.

Beth is a kindergarten teacher who survives a brutal self-defense incident and becomes entangled in an insurance fraud scheme. Her resilience grows as she navigates the consequences of Roland's manipulation and their own questionable choices. Her decisions anchor the emotional core of the story, highlighting the cost of desperation.

Michael Allen is the burglar whose death triggers the investigation, only to be revealed as part of a larger deception. His role exposes the fragility of appearances and the way pranks can spiral into crime. Even in death, his character serves as a catalyst for the truth to emerge.

Matthew Copping is Roland's brother who survived the waterfall but became vegetative and quadraplegic. In the climax, it is revealed that he can speak, turning the tables on Roland and reframing the brothers' past. His condition and hidden vitality become a focal point of the final confrontation, illustrating the personal costs of Roland's games.