In Mur's commentary for Raising Jenny, she said that the movie
It's A Wonderful Life always depressed her because George Baily never followed his dreams. Several people agreed in the discussion thread. Then Schreiber spoke up:
By the way, I can't believe I'm the only one who's going to stick up for poor Jimmy Stewart...
OK, I wanted to, but I didn't want to get off topic too far (not a good example from a moderator). SO I decided to split the topic out in order to give a response. If I am the only one who comments, so be it.
I love
It's A Wonderful Life! I understand where Mur is coming from, but George Baily is putting off his adventures for more than just home and family. Mary wanted to stay in Bedford Falls and start a family, but she would have followed George wherever his heart desired. George's main battle was with Potter. That is why he stayed in the first place--to stand defiantly against Potter's power, and help the community live better lives. George proves that doing the right thing can be just as heroic as being the war hero.
The Savings and Loan was his One Ring. Like Frodo, George Baily had a burden to bear for the betterment of all. At his darkest hour, when all of it felt like it was for nothing, he needed to be reminded of all the good he had done. Since I've already drawn the analogy, I might as well paraphrase Samwise Gamgee, as if he were in the role of Clearance, saying, "There's some good in this world, Mr. Bailey... and it's worth fighting for."