Wrong. Driver is a psychopath. Watch the movie again.
You think he didn't really want to give the million dollars to the thugs so they'd just leave everyone alone?
No, he did. But he's still a psychopath. The only criteria for psychopathy that Driver does not fit are nonplanfulness and, arguably, lack of guilt and lack of empathy (but even those are complicated). He does have "shallow emotions (in particular reduced fear), stress tolerance, [...] coldheartedness, [...] egocentricity, superficial charm, manipulativeness, irresponsibility, [...] impulsivity, and antisocial behaviors such as parasitic lifestyle and criminality". So he's a psychopath who did an effectively good thing, but he's still a psychopath. That's a big part of the the point of the movie (as it is of Taxi Driver, although Taxi Driver is more politically critical of Bickle). Taxi Driver just makes it easier to tell Bickle is a psychopath because it shows him trying to assassinate a candidate and gives you access to his own internal monologue. In Driver you have to parse out weird things between the lines. Like when Driver sees Irene in the grocery store and, after she calls her son "monkey", he goes outside, stops for a weird beat, and sees that her car is broken. He was "monkeying" with her car as a way to get into their life, rather than just saying hi. There are similar implications throughout the whole movie that something is wrong with Driver--not least of which are the helpless, animalistic looks on his face after his explosions of violence. Driver has a psychopathic violent drive which he is utterly captive to. The point of the movie is similar to Shane. The point of Shane is that it's not the gun that's good or bad, it's the man that uses it. The point of Drive is that it's not the car (psychopathic violent tendencies/extreme instrumental skill) or the man that's good or bad, it's the story or pattern you've placed those things in. At the beginning of the story Driver is using his psychopathic violent tendencies for bad. By the end of the movie he has transitioned into using them for good. Part of that transition involves reenacting narrative tropes from old movies, such as being the real hero who leaves the money behind, even though Irene will never see that. He's leaving the money behind for himself, for his own self-image as a hero. He is parasitically using Irene's family as material for a story which will turn him from a criminal into a hero. The movie is taking a non-essentialist view of goodness or badness. Basically, even if you are a scorpion or a shark, if you place yourself in the hero position in a hero narrative, you are a "real human being and a real hero" as the song ironically underscores. The movie is basically an explanation of how being a "sacrificial hero" is also a win-win if you are a psychopath.