In “It’s A Wonderful Life," Mr. Potter -- a “warped, frustrated old man,” as his nemesis George Bailey called him, taunts George with utter ruin. George and his Building and Loan business has been struggling against Potter’s monopolistic grasp on power in town for decades. George has managed to just barely survive, driving Potter crazy, but he’s constantly being beaten into a corner. Now, Potter is convinced that George, beset with scandal of Potter’s making, will finally collapse, leaving him to run the town alone. But George and his friends have a better hand than Mr. Potter realizes. It’s Potter who is really facing ruin.