You comma Idiot, Doug Harris.
You Comma Idiot is a comedic novel about a directionless guy drifting through life who suddenly has several problems hit him at once, disrupting the rut his life had become. It is written in the second person, which isn't used often. The book isn't hilarious, but it is amusing. And yes it does take place in Montreal, so you Montrealers out there will recognize the locales portrayed in the story.
The narrator is the idiot of the title, but after a few pages of self-deprecation reveals that he considers himself more intelligent than those around him. His actions do not back that up however, and often his much-maligned side-kick demonstrates more sense.
The narrator does show some growth by book's end, but very little,extremely little, probably less than the author intended. That is, my impression is that the author thought his main character was much more impressive in those final scenes than he actually is. But it is after all a set of character types set in a Montreal milieu the author is very familiar with, for comic effect. I would suggest that the city of Montreal is actually the main and best - developed character.