It wants to be a subtle, inspirational message to those undergoing tough times. Even his name - half schmucky, half regal-ish - shows that second chances really happen! (Just ask Lonnie Millionbucks and Jerry Diamonde). The upshot? Meh.
Hanks and Roberts have very good chemistry here. Add the fact that Julia is an accomplished comedienne, quite likeable in this role, and you have ingredients for a decent, let's call it "amiable", movie experience.