Double Indemnity and the banality of evil | Little White Lies

In Praise Of

Dou­ble Indem­ni­ty and the banal­i­ty of evil

27 Jan 2025

Words by Darren Richman

Couple in 1940s style clothing, woman with wavy blonde hair, man in shirt and tie, standing close together indoors.
Couple in 1940s style clothing, woman with wavy blonde hair, man in shirt and tie, standing close together indoors.
The shad­ow of the Holo­caust and the film­mak­er’s per­son­al expe­ri­ence with it looms large across Bil­ly Wilder’s most influ­en­tial and endur­ing work.

Bil­ly Wilder, like almost all immi­grants, nev­er for­got where he came from. At one stage in his fledg­ling Hol­ly­wood career, the film­mak­er was sum­moned to the Amer­i­can con­sulate and it looked as though he might be deport­ed. It was not just his febrile imag­i­na­tion that led Wilder to con­clude he would ulti­mate­ly end up shipped off to Dachau” unless he could con­vince this inter­locu­tor of his worth. The Amer­i­can on duty asked Wilder what he did for a liv­ing and the answer was suc­cinct: I write movies.” The offi­cial paced back and forth in the office before stamp­ing the young man’s pass­port and say­ing, Write some good ones.”

It is safe to say Wilder heed­ed the advice. Over the next two decades, he wrote and direct­ed some of the most beloved Amer­i­can films in the his­to­ry of the medi­um includ­ing The Apart­ment, Some Like It Hot and Sun­set Boule­vard. In his own words, I cer­tain­ly did not want to dis­ap­point that dear man in Mex­i­cali.” Wilder’s impe­r­i­al phase began in earnest in 1944 with his third Amer­i­can film, Dou­ble Indem­ni­ty, the Pla­ton­ic ide­al of a film noir and a crime pic­ture that would change Hol­ly­wood forever.

The Holo­caust hangs over Dou­ble Indem­ni­ty like the smoke from Phyl­lis Dietrichson’s cig­a­rette. It is telling that this was a screen­play writ­ten towards the end of the war but set imme­di­ate­ly before it – sim­i­lar­ly, J. B. Priestley’s An Inspec­tor Calls (first per­formed a year after Wilder’s film was released) looks to explore the blood­shed to come from the van­tage point of 1912. One sens­es the hor­rors were all too fresh to be addressed in any­thing but an oblique man­ner, espe­cial­ly for Wilder and his cohort.

Film noir was an unex­pect­ed con­se­quence of the Holo­caust as Jew­ish emi­gres like Wilder, Otto Pre­minger and Robert Siod­mak escaped Europe’s cat­a­clysm for the sanc­tu­ary of Los Ange­les. These direc­tors brought with them a Ger­man expres­sion­ist style that com­bined per­fect­ly with the pulpy, hard­boiled Amer­i­can fic­tion of the era. All of this, inevitably, was under­pinned by an exis­ten­tial dread that gives the films a gloomy fatal­ism rem­i­nis­cent of Thomas Hardy at his most grim.

How could it be oth­er­wise when, at the time of mak­ing Dou­ble Indem­ni­ty, Wilder had no idea what had become of his moth­er, step­fa­ther or grand­fa­ther? He nev­er entire­ly shook his sur­vivor guilt even as he became her­ald­ed as one of the gold­en age’s pre­em­i­nent cre­ative forces. Sip­ping cham­pagne when your fam­i­ly has per­ished in con­cen­tra­tion camps requires a cog­ni­tive dis­so­nance beyond even one of Hollywood’s great genius­es. Indeed, speak­ing in his 90s, the direc­tor con­fessed to feel­ing fury, tears, reproach­es” about his deci­sion not to take his moth­er to Amer­i­ca with him, admit­ting: What is done is done and can­not be undone.”
The plot of Dou­ble Indem­ni­ty is sim­ple yet endur­ing enough that the novella’s writer, James M. Cain, used it twice. Both The Post­man Always Rings Twice and the book on which Wilder’s film was based con­cern a man and a mar­ried woman con­spir­ing to mur­der her cuck­old hus­band. Cain wrote Dou­ble Indem­ni­ty in 1936 but, like Post­man, it was con­sid­ered unfilmable giv­en the restric­tions of the Hays Code. But neces­si­ty is the moth­er of inven­tion, and Wilder teamed up with noir icon Ray­mond Chan­dler to pen the screen­play against which all crime scripts would be judged going forward.

Cain’s genius was to take the genre away from the realm of pri­vate detec­tives and instead focus on ordi­nary peo­ple in extra­or­di­nary cir­cum­stances. In Dou­ble Indem­ni­ty, Fred Mac­Mur­ray plays Wal­ter Neff, an insur­ance sales­man who uses his vast expe­ri­ence to con­coct a scheme that will see the doomed cou­ple off Phyl­lis’ hus­band then pock­et the life insur­ance mon­ey. The very fact that a cash val­ue is put on a human life (and the insur­ance com­pa­ny makes every effort to pre­vent pay­ing out) gives a sense of the dehu­man­i­sa­tion ram­pant across East­ern Europe in the years pre­ced­ing the film’s release. Theodor Adorno might have said there can be no poet­ry after Auschwitz, but there is some­thing entire­ly appo­site about film noir.

A black and white image showing several men standing in a doorway framed by a metal structure. The image has a moody, dramatic atmosphere with strong contrasts between light and shadow.

Above: Wal­ter Neff is exe­cut­ed in a gas cham­ber in the cut end­ing to Dou­ble Indem­ni­ty, while Bar­ton Keyes looks on.

Sur­vivors of the camps often echo Han­nah Arendt’s obser­va­tion about the banal­i­ty of evil. My own grand­fa­ther, an Auschwitz sur­vivor, was struck by the fact that it was not thugs com­mit­ting these unspeak­able acts but edu­cat­ed peo­ple: doc­tors, lawyers, accoun­tants.” Wal­ter has an estab­lish­ment job as an insur­ance sales­man and is played by an every­man because Wilder was adamant the char­ac­ter should not seem overt­ly vil­lain­ous. The his­to­ri­an Ian Ker­shaw has stat­ed that most Ger­mans were apa­thet­ic about the fate of the Jews in the ear­ly 1940s, claim­ing that the road to Auschwitz was built by hate, but paved with indif­fer­ence.” It is worth not­ing that Bar­bara Stanwyck’s Phyl­lis is shown in close-up as Wal­ter mur­ders her hus­band; her face exudes myr­i­ad emo­tions but not one of them is guilt.

Set­ting the action in Los Ange­les a year before the out­break of the war implies Wilder, like William Gold­ing with Lord of the Flies, did not feel there was any­thing unique­ly Ger­man about the sav­agery. Film noir in gen­er­al depicts human beings as flawed, dark crea­tures and thus the movies have tend­ed to date bet­ter than most oth­ers made in the 1940s and 1950s since the his­to­ry books tend to tell a sim­i­lar story.

In one of the film’s most icon­ic scenes, Wal­ter and Phyl­lis are attempt­ing to speed away from the scene of the crime but the car won’t start. Wilder knew some­thing spe­cial was hap­pen­ing when audi­ences were pal­pa­bly relieved at screen­ings when the engine roared into life and these killers were final­ly able to make their escape. It is an inspired moment as we, the audi­ence, become com­plic­it in their crime. Alfred Hitch­cock loved the film enough to take out adver­tise­ments sup­port­ing it in the press and he would pull a sim­i­lar stunt when Nor­man Bates ner­vous­ly waits to see if Mar­i­on Crane’s car will sink to the bot­tom of the lake in Psy­cho. In both cas­es, we feel relief at the crim­i­nals’ suc­cess in evad­ing capture.

It does not take a psy­cho­an­a­lyst to decode the orig­i­nal end­ing of Dou­ble Indem­ni­ty. In a scene that has nev­er made its way out of the Para­mount vaults, Wal­ter is exe­cut­ed in a gas cham­ber while his col­league and best friend, Bar­ton Keyes (Edward G. Robin­son) watch­es on. Wilder filmed for five days and spent $150,000 on the scene. He felt it was one of the best he ever direct­ed, but ulti­mate­ly decid­ed the pic­ture had to end where it does, with the two men in their office. Chan­dler object­ed to the change, but Wilder was right, and it speaks to his char­ac­ter that he was not only able to shoot the scene but also realise it was sur­plus to require­ments. Telling­ly, the sequence was shot from Walter’s per­spec­tive look­ing out at his friend who is, obvi­ous­ly, unable to help. Giv­en what Wilder could guess his own fam­i­ly was going through on the oth­er side of the ocean, even the pro­duc­tion stills that sur­vive have a haunt­ing quality.

The fol­low­ing year, Wilder made a pro­pa­gan­da film called Death Mills, pro­duced by the Unit­ed States Depart­ment of War with the express inten­tion of edu­cat­ing Ger­man audi­ences about the Nazi atroc­i­ties. That film opens with a note that what fol­lows is a reminder that behind the cur­tain of Nazi pageants and parades was mil­lions of men, women and chil­dren who were tor­tured to death – the great­est mass mur­der in human his­to­ry”. It seems not unrea­son­able to deduce Wilder saw some Ger­mans as killers like Neff, but many oth­ers clos­er to Keyes; bystanders guilty of look­ing the oth­er way rather than face a truth too appalling to con­tem­plate.
Wilder, as were most Jews who sur­vived the war, was a fight­er. He and Chan­dler almost came to blows dur­ing the uneasy alliance that pro­duced the Dou­ble Indem­ni­ty screen­play – a film that would go on to be nom­i­nat­ed for sev­en Oscars and win pre­cise­ly zero. When Leo McCarey was announced as best direc­tor on the night, Wilder tripped him on the way up to the podi­um. They say the best revenge is liv­ing well, how­ev­er, and Wilder lived to be 95 years old; aston­ish­ing for a man who only nar­row­ly escaped Nazi persecution.

Lega­cy was and is extreme­ly impor­tant to those who lost fam­i­ly in the camps. McCarey’s Going My Way may have swept up on the night but who dis­cuss­es it these days? Dou­ble Indem­ni­ty pre­sent­ed vil­lains as pro­tag­o­nists for the first time and shaped crime cin­e­ma and pres­tige tele­vi­sion for decades to come. The influ­ence of Wilder and the film seems more pro­nounced now than ever before, 80 years on from the lib­er­a­tion of Auschwitz. Cain and Chan­dler, genius­es in their own right, under­stood the dark heart of human nature, but Wilder had lived it. He must have felt a com­pul­sion to leave some­thing last­ing, for those who didn’t sur­vive the Holo­caust as well as the man who told him to write some good ones”. Wilder wrote some of the best ones, and Dou­ble Indem­ni­ty was his first – and most influ­en­tial – masterpiece.

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