I don’t think you can really appreciate this movie till you get in your 40’s.
You really have to experience loss and disappointment.
Seriously, the problem with the movie is that George Bailey engages in the same kind of slipshod lending practices Congress pressured the banks to engage in in the 1990s. And we know where that led. But Bailey is treated like a hero. He really is little more than a human doormat with everyone’s footprints all over him.