I'm going to pretend that GEICO stole my idea

Have you seen the new GEICO commercial, where it pokes fun of stupid characters in horror films? If not, it can be seen here: https://www.youtube.com/watch?v=Yrrw0wNLc2g

Oddly enough, I wrote something rather similar to the commercial on July 17th of 2013, entitled, "Horror film characters are ridiculously stupid," which can be read at this link:

http://thekind-heartedsmartaleck.blogspot.com/2013/07/horror-film-characters-are-ridiculously.html

The story goes as follows:

Is it just me or is there a written requirement somewhere which says, "If you're a character in a horror film, you have to be stupid"?

My girlfriend and I went to see the film The Purge last night, and like with many contemporary horror films, we spent more time laughing and giving each other the why-in-the-hell-are-they-doing-this-are-they-stupid looks. Yes, I know the main intent of horror films is to frighten viewers. However, if the viewers find the script and plot so ridiculous, it's unbelievable to the point of being silly, then how will the film genuinely frighten said viewers?

Here's my slightly exaggerated version of a scene from a contemporary horror film:

Setting: A newly wed couple driving along the interstate, heading to Little Rock, Arkansas late at night 

Mr. Eugene Blockhead: "Oh, look honey. There's that man over there looking for a ride. What do you think? Should we pick him up?"

Mrs. Mikayla Blockhead: "I don't know, sweetie. He's wearing a mask and has a chainsaw. Also, I don't think he's covered with ketchup."

Eugene: "So, yes, then?"

Mikayla: "Yeah, sure, why not? What's the worst that could happen?"

Eugene: "Yeah, I know - right? Alright, I'm going to pull over here."

::Both Eugene and Mikayla get out of the car and start waving and smiling::

Mikayla: "Do you need a ride, sir?"

::the man nods::

Eugene: "What's your name? My name is Eugene Blockhead, and this is my lovely wife, Mikayla Blockhead. How do you do?"

Creepy guy: "My name's Imagonnakillyou!"

Mikayla: "That's an unusual name. Where are you from?"

Imagonnakillyou: ::roars, before starting up his chainsaw and walking toward the couple::

Eugene: "Whatcha doin'? We can give you a lift if you'd like. We're really in no hurry and love to help people such as yourself. Where are you headed?"

Imagonnakillyou: "For your head!"

Eugene: "He's so funny. He..." ::head gets chopped off::

Mikayla: "Is that a magic trick? Can you do me next? Please? I love magic! I just lo...." ::head gets chopped off::

Imagonnakillyou: "Idiots..."