He was a money lender. People do need to borrow money at times. Clearly Dickens wasn’t exactly going: “Yay! Loan sharks are great!” But actually lending money at a set rate of interest isn’t inherently terrible and can be helpful to people: is I suppose the point being made.
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Lending is necessary and beneficial, usury is not, and from context clues (including other Dickens works like 'The Old Curiosity Shop') I think that's what Dickens was going for with Scrouge.
End of conversation
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This will officially keep me up all night
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