Scrooge would be a better person if he wasted every penny he earned on booze and drugs and collectible figurines or whatever and he died with his books in the red He'd be paying people's wages and enabling them to pay other people's wages if he did so
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For people who buy warm fuzzies from charity that's a horrifying thought - the joy on Tiny Tim's face is a product they spend their wealth on
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A lot of rich people have Scrooge's arc as their actual life plan - spend the first 50 years of their life getting rich by fucking people over, then spend their retirement slowly undoing the damage via charity and getting cookies and applause for it It's very common
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Well, if you want to get into story nitty-gritty, he's at the end of his life and his money is all stored in hard assets He could close the business right now and be far from "ruined"
End of conversation
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