Through the characterization of Scrooge people learn he is a reprehensible man. He puts work and his personal needs above all else. He is stingy and hoards his money, even though he really has no use for it. He treats Bob Cratchit badly. He pays Bob a meager salary that allows Bob and his family to barely seek out a living.
Scrooge also refuses to donate money to the poor and homeless people of the area.
Marley predicts that these selfish acts of unkindness shall be the downfall of Ebeneezer Scrooge. Scrooge feels no joy or happiness even during the holidays. He forces Bob Cratchit to work late on Christmas Eve and the day after Christmas to make up for having Christmas day off work. He also refuses a Christmas dinner invitation from his nephew, Fred. To Scrooge Christmas is a total waste of effort and time and has no purpose whatsoever.