Holy shit! You're right! You just described Needful Things, The Shining,
I can't remember the specifics of Needful Things or how it was translated to film. But The Shining follows the formula presactly albeit with fewer characters.
Misery, and The Shawshank Redemption.
Granted. Those are exceptions.
I gotta wonder though how much the writing in those films departed from the books.