Scrooge, as I've said before, was not someone who hoarded wealth so that he could enjoy it himself. He was, really, the worst kind of rich person: someone who hoarded wealth for wealth's sake. He didn't want the things that money could buy, he just wanted the money. The problem is that people like this become vacuums, hoarding society's money and doing nothing with it. If he'd been a little more happy to spend his money, he would have helped out local businesses, or restaurants, or tailors... as it is, he just absobs money like some kind of fincancial black-hole, and does nothing with it.