Romance/Drama movie with a series of ridiculous plot devices

Movies
1

This is probably a tough one cause I have only a brief recollection. But I remember this movie about a married woman who is a hostage during a bank robbery where the thieves also take hostages clothes for some reason. In her underwear, she accepts a ride from another hostage (a man) and once in his car they begin an affair.

The robbery was only secondary and a brief scene in the movie, and is honestly a dumb plot device to cause the married woman to end up in her underwear in a strangers car.

Any help is appreciated.

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2

I have not seen this, so this is really just a guess, maybe?:
“Esa ja Vesa - auringonlaskun ratsastajat” (1994), also known as “Sunset Riders”
There are bank robbery, hostage, woman in underwear, sex, marriage, husband-wife relationship, unfaithfulness, extramarital affair in the movie.

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