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In the not-so-distant future when an epidemic of organ failures devastates the planet, scientists gear for a massive organ harvest. A biotech giant comes up with easy organ payment plans, but all financed organs are subject to legal default, including repossession at the hands of repo men.
Bernie Lootz (William H. Macy) is the unluckiest man in Las Vegas... he's so unlucky, it's contagious. Looking to knock out their highest rollers, one of the last mob-run casinos in town, the Shangri-La Hotel and Casino downtown, decides to use Bernie as a "cooler" to defuse their lucky streaks. The scheme goes fine until Bernie falls in love with a cocktail waitress, Natalie (Maria Bello), who becomes his "lady luck", much to the chagrin of the casino's crooked director (Alec Baldwin) who aims to break up the romance, and Bernie's newfound luck...