Heat
Having multiple character plots that deal with the film's core theme (heat being around the corner) is interesting, but gosh does the movie require you to suspend your disbelief or just accept unrealistic interactions in all sorts of scenes, be it shootouts, heists, random conversations, etc. It's hard to assume that the protagonists are supposed to be masterminds when the events say otherwise (and this isn't referring to the "heat" aspect)
Also Ashley Judd with a great performance as Charlene