Wow, was the film ATM stupid.

Here, broken down into categories, are things that are wrong with the film ATM.

Reality problems:

No one parks that far from an ATM. Especially at 1AM.
If it's cold enough that their lives are in danger, why can I see no one's breath?
If it's so cold, why aren't your hands in your pockets all of the time?
Why is the water so terrifying? By virtue of it not being ice it must logically be warmer than the air you've been complaining about all night. Yes, water can suck the heat right out of you, but it's less scary than -15 degree weather.
And if it's less cold than that outside, what are you complaining about?

Stupid things people do:
You saw the killer get into your car and sabotage it - how do you think you're going to be able to drive away? Just grab the purse and get out of there.
Okay, so you made your friend walk a hundred feet to the ATM just to be a dick - when you also have to go to the ATM, why aren't you driving up to it, rather than also walking 100 feet?
What woman leaves her purse in an unlocked car at 1AM? I don't care how empty the parking lot is.
How did that janitor make it past all the dead bodies and wrecked cars without becoming alarmed?
If he was alarmed, why did he lunge into the ATM kiosk without saying anything or yelling? Why didn't he say or yell anything while he was being held on the ground?
Why wasn't someone always watching for the killer? Isn't knowing where he is priority 1?
When the security guard sees a car with broken windows and people waving from inside an ATM, why does he not radio it in? Isn't the broken window alone worth a police report?
How did he miss the body lying in that pool of light?
After becoming alarmed, why does the security guard get out of his car rather than driving up to the ATM? Is this parking lot mined or something?
Why didn't the characters run out to the security guard? He has a working car, at least a club, and possibly a taser. Wouldn't running to him, waving your arms the second you see him, be your only sane choice?
The ceiling of that kiosk is not so high that you can't simply hold the burning trash can over your head. Why are you messing around with this 'climbing on shoulders' nonsense?

Here are things that had to happen for his plan to work (and why they couldn't have):
More than one person had to stop at an out-of-the-way ATM in the middle of the night - had just one person stopped, the plan falls apart. (Already a stretch.)
All of the people in the car have to go into the ATM kiosk. (This doesn't happen - people wait in the car with the motor running while someone runs in.)
Despite it being winter and freezing, none of the victims can be dressed for the weather. (Which... how?)
None of his victims can have a cell phone. Or a lighter. (As if.)
His victims have to be unwilling to physically assault him, despite the fact that he's alone and unarmed to begin with. (Why don't they do this?)
His victims have to be unwilling to simply run away since, as is established time and again, he's alone, and could only chase one of them - catching that person is not guaranteed. (Yes, one of them would have hit the tripwire, but the rest would have escaped.)
He must have laid the tripwire after the victims arrived, an activity that would have taken some time and been plainly obvious, since it necessitated standing directly under street lamps to wrap the wire around their bases. (So why didn't they see him do it?)
It has to be believable that one of the victims could have spent a half hour breaking into the back of the kiosk. (But the characters were on the ATM camera for all four hours, other than a couple of 90-second gaps when only one of them ran outside, and a thirty-second gap when one ran out to rescue another injured victim.)
For the end of the plan to work, he had to crash a car into an ATM kiosk and somehow be sure that the remaining victim inside wouldn't be hurt. (Which he absolutely couldn't be sure of.)
The police have to be immediately certain that the sole survivor they find in the kiosk is the killer, and be completely unwilling to listen to his story about the real killer, who's just a few feet away. (The cops have no evidence of his guilt, and no reason to jump to that conclusion.)