End credits would have rolled 45 mins in.. (spoilers)

I'm a pretty quick thinker, and though I cannot say I've ever been in such a stressful situation as Neil, I would have noticed a couple of things and probably been able to end the situation pretty quickly once I was able to calm down and assess. Also, I'm surprised that Neil (being such a savvy marketing exec) didn't reverse the tables on Tom, or start to think outside the box as established cutthroat-style marketing execs do.

This movie would have ended at the hotel scene. I would have realized after the hotel trick that not one time did Tom ever phone to check in with his partner who allegedly had the girl. They had spent an inordinate amount of time together (driving from the house, the bank, the restaurant, pawn shop, envelope delivery, hotel incident, etc), and only once did Tom make a phone call to "check-in", and it turns out that phone call was fake. I would have figured out pretty quickly in the hotel that either Tom was full of crap about kidnapping my daughter, or I would have had at least 12-18 hours to find her (Tom said during the ordeal that "for the next 24 hours, you will do as I say"). In fact, the way Tom was acting, one phone call from him and the girl was dead, so that means his partner would have been waiting forever for him to call before killing her.

Also, no matter what, kidnappers always want something monetarily or in commodity in exchange for the return of their hostage. There was no reason to kidnap their daughter if it was obvious the objective was to ruin their lives. The average person would have been scared into complying with demands just by having a man pop up in the back seat of their car wearing leather and brandishing a gun. Once Tom burned the $150k I had just depleted from my account, the kidnapping threat wouldn't have made sense to me.

As far as the twist is concerned, that is a dangerous game to play. Once I realized that Tom might not have actually kidnapped my daughter, or I had plenty of time to find her, I probably would have killed him, or hideously tortured him until the truth (or my daughter's whereabouts) came out, which would have turned the game into reality for my wife. A better "game" for her to play would be to actually just take our daughter and leave me as punishment for my infidelity - she was a housewife and he had plenty of means.

No man can win the game of divorce court.