Stupidity: When Drake cuts off power to Hayes' apartment, the cops can't physically make a landlord abide by the laws, and seeing a judge would take months. In the meantime, by keeping the power off in the apartment, Hayes would have had no choice but to abandon his scheme and move on to another victim. With no power in the apartment, it's unusable and unlivable.
Stupidity: In the bar scene, Jack gets into a fight with a guy he busted a few years back, then Reggie turns to the bartender and asks for a gun. The bartender hardly hesitates and hands it over. There is just simply no scenario where a bartender would hand a loaded gun to a patron they had just met.