“The air was filled with phantoms, wandering hither and thither in restless haste, and moaning as they went. Every one of them wore chains like Marley's Ghost; some few (they might be guilty governments) were linked together; none were free.
Many had been personally known to Scrooge in their lives. He had been quite familiar with one old ghost, in a white waistcoat, with a monstrous iron safe attached to its ankle, who cried piteously at being unable to assist a wretched woman with an infant, whom it saw below, upon a door-step.
The misery with them all was, clearly, that they sought to interfere, for good, in human matters, and had lost the power for ever.”
Give way to Christ, you prince of murderers.
You're guilty,
before Almighty God, guilty before his son, guilty before the
whole human race. It's the Lord who expels you. He who is coming
to judge both the living and the dead and the world by fire. 
"But you were always a good man of business, Jacob," faltered Scrooge, who now began to apply this to himself.
"Business!" cried the Ghost, wringing its hands again. "Mankind was my business. The common welfare was my business; charity, mercy, forbearance, and benevolence, were, all, my business. The dealings of my trade were but a drop of water in the comprehensive ocean of my business!"
It held up its chain at arm's length, as if that were the cause of all its unavailing grief, and flung it heavily upon the ground again.
"At this time of the rolling year," the spectre said "I suffer most. Why did I walk through crowds of fellow-beings with my eyes turned down, and never raise them to that blessed Star which led the Wise Men to a poor abode! Were there no poor homes to which its light would have conducted me!"f
