A bunch of crazy rednecks plan an armored car heist. Hijinks ensue. That’s pretty much all you need to know about “Masterminds” (2016). In recent years, Lorne Michaels has gotten highly efficient at taking a rotating cast of “Saturday Night Live” alumni and cranking out disposable comedies that don’t make you feel as if two hours of your life have been wasted. There’s something to say for that. There’s also something to say for Kristen Wiig. In a film full of marginally likeable characters, she deftly convinces you to root for her most of all. That, friends, is the real heist.

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