The but Ryder refuses to believe it because

story began when Pelham 123 was hijack by a man named Ryder. The hijacking took
place in New York City in the Pelham Park station in the afternoon. There were
three bad guys with Ryder. Garber was a worker at the Metropolitan Transportation Authority as a train
operator. Eventually, he got a call from Ryder who demands 10 million dollars
worth of cash to be paid within the next 60 minutes. In exchange, he will free the 17 hostages inside the train. Ryder
alarms them that if the money did not arrive on
time then he will kill one passenger every minute which happens to be a warning
for them. Then Garber turns down the negotiations with Ryder as he begins
to develop a rapport. Ramos and Emri on the other hand begin to set up in the
tunnel for Internet access. The laptop has an access to one of the passengers
in the Internet while the webcam of the computer was also activated. This was a
way to watch Ryder and Ramos in the control center. Then, the lieutenant entered
the Rail Controlling Center as he handled the negotiations from Garber. Then he
commanded Garber to abandon the vicinity quickly. Then, there was a sudden gush
that made Ryder angry. He then discovered that there are allegations on the
news online that was reported that Garber was the target at the MTA. Then
Garber was force to confess making a threat to kill the passenger. Following
the incident, Garber was explaining there was a bride offered to him.  He told Ryder that he used the money as a
means of payment for the college tuition fee of the child.

the mayor agreed to deliver the ransom money and ordered the NYPD to deliver it
to Ryder. While on their way to the delivery point, an accident happened among
the police. It has failed to get the money on time due to the incident that
happened. Garber told Ryder that the money was dropped off but Ryder refuses to
believe it because he was monitoring the whole scene through his laptop and he
knows that Garber was lying. Ryder was angry and for some reasons he begins to
threaten and execute a hostage again among the mother of the child and the
children. Then another hostage taking occurred and a former soldier comes to
the rescue. He sacrificed himself in order to save the mother and child. Unfortunately,
the former soldier was killed when he save the mother and the child. There was
a short gunfight that erupt the NYPD ESU sniper. The rat then accidentally bit
it thus leading into discharging his weapon that caused the death of Ramos. The
clues were tracked and eventually they found out the Ryder’s real name was
Dennis Ford. He was the manager of a firm in which he was sentenced to prison
because of case about investment fraud. The mayor mentioned that there was an
extreme decrese in the stock market due to the hijacking incident on the train.

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To cut
the story short, the Metropolitan
Transportation Authority concluded that the hijackers as well as Garber are
still inside the train. Garber wanted to escape from the hijackers. He followed
them to the emergency exit that was located inside of an abandoned subway
station. The train stopped and the police noticed that Ryder was no longer inside
the train.  Ryder drove a taxi at the
same time Garber followed him using a truck. Ryder checked his laptop and
noticed that there he was on some sort of a short sold in the market that made an
investment from gold. He was surprised that he earned profit that was larger
than his ransom money.  Then Garber
caught him on Manhattan Bridge where Ryder pulls a trigger on Garber. Ryder
then pulls the trigger on his gun then finally he shot Garber. While Garber was
lying on the floor, Ryder told Garber that he considers him a hero. Eventually,
the mayor thanks Garber for saving the hostages and reminds him about his
bribery charges. 

relation to the movie about economics, Ryder was accused of stock manipulation
in the stock exchange market. There were parts of the film that Ryder always
checks the news online about the stock exchange market. He purchased imitative contracts
that would allow benefiting a leveraged way. There was nationwide news when the
stock market dropped due to their hostage taking. Given the fact that, the right
to sell an asset at a specified price will grow its value at the same time, the
price of that asset will also drop. Moreover, the bigger the drop the quicker
it happens on the purchases and thus the more money that Ryder and the two bad
guys along with him would make. There was also a scene where when the train was
hijack that causes the downfall of the stock market. The price of gold was
doubled due to the uncertainty. He grab that opportunity and took advantage of
it because he knew that the market would react this way. He used options to his
$2 million initial investment that grew up to $300 million in the same day.