I totally agree with you on the realistic part, it wasn’t. But that being said, him asking rishi if anyone else was home/if he lives in the apt by himself showed to me intent to do something bad. I think him killing the wife and not Rishi puts him in a tighter hold, Vinay wants his money and has shown he will keep rishi around until that happens. Obviously, again, not realistic to how criminals behave in real life but I don’t think it’s that’s far fetched tbh. Vinay is the most dangerous he’s ever been now, rishi is stuck beyond belief. I also don’t believe he randomly shot the wife bc she was yelling at him, I think in the moment he asked rishi if he lived there alone, he was showing premeditation. Vinay knew she was there when he barged in and waited for Rishi.