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In Arizona, Bobby Cooper drives his 1964½ Ford Mustang convertible heading to Vegas by way of Globe and Phoenix to repay gangster Mr. Arkady. His journey takes a turn, three miles outside of Superior, when the radiator hose bursts. At Harlin's Garage, Darrell claims repairs will take time, asking about Bobby's bandaged left hand. Taking his money pack, Bobby locks his handgun in the trunk.
Bobby walks into town and meets Grace, who is walking home with her new drapes. Bobby offers his assistance, and she invites him home to shower, where it's revealed Arkady dismembered two of Bobby's fingers as punishment for the overdue debt. Bobby kisses Grace, but he's interrupted and assaulted by her older husband, Jake McKenna. Walking back to Superior, Jake picks Bobby up, asking if Bobby would kill Grace for money. Bobby dismisses Jake's proposal.
Boyd and Ed rob Jamilla's groceria, then demand Bobby's pack. When Bobby refuses, Boyd pistol-whips him, taking his $13,000. Jamilla retaliates with a shotgun, killing both robbers, but shredding and bloodying Bobby's cash. Unable to pay Darrell an exorbitant $150, Bobby phones acquaintances in vain for help, including Arkady, who sends Sergei after Bobby. At Waldorf Café, Bobby buys a beer from Flo. Troubled teenager Jenny flirts with Bobby, incurring ire from her jealous boyfriend Toby N. "TNT" Tucker. But Sheriff Virgil Potter enters, and TNT backs off.
Desperate to recoup his $13,000, Bobby approaches Jake, who bought a $50,000 life insurance policy on Grace, but Jake needs it to look like suicide. Bobby tries pushing her off a cliff, but pulls her back. They have sex, but Grace stops short, claiming Jake's her stepfather, who molested her after her mother allegedly jumped off the cliff. Grace asks Bobby to kill Jake and steal his $100,000. Bobby distrustfully refuses. Darrell extorts another $50 from Bobby, who discovers Darrell took Bobby's gun; Bobby grabs a wrench, but Darrell wields a tire-iron. Bobby rages, trapped. Lacking fare to Mexico, Bobby hysterically begs, "They're gonna kill me!" The bus station clerk gives him the ticket, but he has to run from Sergei, who's arrested for speeding by Potter. TNT attacks, destroying Bobby's ticket; Bobby loses it, badly beating TNT, whom Jenny comforts.
Out of options, Bobby phones Grace, who unlocks Jake's back door. During sex with Grace, Jake hears Bobby entering, and brandishes Bobby's own gun (which Darrell gave Jake). Bobby claims killing Jake was Grace's idea, and he'll kill Grace for only $200 to get his car back and leave town. After a ruckus, Jake enters; Grace attacks Jake with her tomahawk, and Bobby delivers the coup de grâce, killing him. They unlock Jake's safe to find $200,000, and have sex on Jake's bloody bed.
Bobby gets his Mustang back from Darrell, picking up Grace and the money. Leaving Superior, Potter intercepts them, revealing he too has been sleeping with Grace, who betrays Bobby, blaming him for Jake's death. Potter tells Bobby, that Grace is Jake's biological daughter, angering her. She shoots Potter with Bobby's gun.
Bobby hits Grace, recovering his gun, but after dumping Jake and Virgil down a ravine, Grace pushes Bobby into the ravine, severely injuring him. Leaving, Grace discovers Bobby has the ignition key and climbs down to retrieve it. As Bobby strangles her, she shoots him, but dies. Bobby climbs out, starts the car, and says into the review mirror, "You're still lucky." But Darrell's shoddy replacement hose bursts. Bobby leans back, laughing ironically about his continuing bad luck as he looks up at the bright blue sky where vultures circle, aware he'll soon die.