"The fall of the American empire" begins just like "No country for old men" (2007, Joel & Ethan Coen), a casual passer by takes possession of the loot of a crime that has horribly gone wrong.
The rest of the film however is quite different. A team consisting of a nerd (Pierre Paul Daoust played by Alexandre Landry), a prostitute (Camille Lafontaine played by Maripier Morin) and an ex criminal (Sylvain Bigras played by Rémy Girard) set up an ingenious money laundring scheme to help the homeless people of Montreal.
The nerd is not a "computer nerd" but a "philosophy nerd". At the start of the film he has an awkward conversation with his girl friend, framing Pierre Paul as rather autistic. His relatively smooth interaction with homeless people later in the movie is somewhat at odds with this first impression.
"The fall of the American empire" is obviously not realistic, and that is no problem. The film is a sort of modern Robin Hood and also a "Pretty woman" (1990, Garry Marshall) in reverse, although I am still puzzling what "in reverse" really means. Does it mean that in this case the woman (Camille) is transforming the man (Pierre Paul) and making him less naive? Or does it mean that the man still is transforming the woman but introduces her from the high society (Camille is a very expensive call girl before she meets Pierre Paul) to the low society in stead of the other way round?
The weak spot of the film is its social critism. It is clear that the director sympathizes with the homeless and that they are the victims of capitalist society. But the question is who is the culprit? In recent films of Ken Loach (of the same generation as Denys Arcand) this question is clearly answered. In "I Daniel Blake" (2016) it is the government bureacracy and in "Sorry we missed you" (2019) it is the principal of the self employed person. In "The fall of the American empire" it seems to be the capital market in general, but this is too vague and too impersonal. When you want to tell a story about the perversions of the capital market "The big short" (2015, Adam McKay) does a better job.