Your claim that
no one could have standing to sue for a deductible is a classic case of
did not do the research. And see below for a more recent example.
That's not entirely true. You need to be a DIK to have a good relationship with Quinn, but you don't have to have a good relationship with Quinn to be a DIK.
Yes, Tommy and Quinn are fairly similar; self-centered assholes who take foolish risks for shortsighted quick fixes. Quinn is a slightly bigger asshole, but DPC compensates by presenting her in a more sympathetic light.
But while neither of them is particularly powerful, I'd say both of them are still serving as antagonists in the story. They're essentially playing with fire, so the risk is that the MC and/or his friends will be caught up in the flames when something inevitably goes wrong. At some point they could transition to a more neutral role (or even an ally), but as long as they're operating their own secret agenda I think they're stuck in opposition to our hero.
Researching something for an artistic work doesn't mean you must slavishly accept whatever your research turns up. DPC may have used the material for inspiration and background material, or to better gauge how unrealistic a desired occurrence might be. The entire point of artistic license is that sometimes a deliberate unrealism serves the meter better than a strictly accurate portrayal; it's often helpful to know what reality would have been before you ignore it.
If you want an example of that sort of thing, Andy Weir preferred to kickstart 'The Martian" with a destructive dust storm (which he knew was unrealistic) because it was both more dramatic and more thematic. You can see discussions of the topic
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and
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. Feel free to look up more examples yourself.
Obviously, whether such concessions to drama are effective is a personal call, but that's a far cry from your insistence that DPC must be lying about doing research just because you personally disagreed with the reality of a few plot points.