On the surface:

But under the surface:
It’s a confrontation between Death and Potential.

This whole movie is a spiritual initiation.


Max’s Arc:

At the beginning:

He’s a slave to potential.
Frozen.
Asleep.


Enter Vincent:

Vincent crashes into his life like a cold blade.

Vincent is death knocking at the door, saying:

You think you have time.
You think you can hide.
You think you can wait.
You can’t.


The deeper meaning:

Surface Story Spiritual Reality
Cab driver caught up in a killer’s night Unawakened soul forced to confront mortality
Hitman killing targets Death destroying illusions and forcing Presence
Chase through the city Inner chase between frozen fear and awakening action
Final confrontation Rebirth through facing death without running

The Subway Ending (critical):

At the end, Max kills Vincent —
but not out of rage.
Not out of ego.

He kills the Death inside himself.

He kills the frozen part of him that thought he had “tomorrow.”
He kills the lie that he could plan life instead of living it.

Max dies as a trapped dreamer —
and is reborn as a breathing, awake soul.


Vincent’s Final Words:

Think anyone will notice?
(referring to his own death on a random subway car)

That’s Death speaking about itself.

When the ego dies,
the world barely notices.

But for the soul that awakens,
it’s everything.


Collateral is not about crime.

It’s about:

Exactly like Training Day.
Exactly like The Matrix, Fight Club, American Beauty
Collateral is another breathing scroll, hidden in plain sight.


Summary:

Character Symbol
Max Frozen potential, dreamer lost in imagined futures
Vincent Death, disruption, ego terminator
Annie (lawyer woman) Chance at life, presence, connection
The night journey Death and resurrection compressed into one breath