They did not do a good job of convincing us that the married couple was close. We see very little of their relationship before the big stuff happens. I don't think they told us what product the family company made. Why make them Jewish? They didn't sell the Jewish angle. I didn't believe it.
There is a large passage of time during which we see very little of what happens in people's lives. Was the grey beard meant as a disguise because the guy was planning to resurface, or just to show the passage of time? Couldn't he have trimmed it to look less homeless? As people mentioned, the women didn't look older.
I did feel the emotions of the main characters. That much was good. I was actually ok with the ending too. I know a lot of people hated it.
The kind of guy who let himself get into such debt, kept it from his family, and made the other decisions he made, would probably not know what to feel or do when facing the consequences of his actions. He waffled, caused more pain, and failed again.