Ghost By Scrooge Character Analysis

Scrooge was at first inclined to be surprised that the Spirit should attach importance to conversations apparently so trivial; but feeling assured that they must have some hidden purpose, he set himself to consider what it was likely to be. They could scarcely be supposed to have any bearing on the death of Jacob, his old partner, for that was Past, and this Ghost's province was the Future. Nor could he think of any one immediately connected with himself, to whom he could apply them. But nothing doubting that to whomsoever they applied they had some latent moral for his own improvement, he resolved to treasure up every word he heard, and everything he saw; and especially to observe the shadow of himself when it appeared. For he had an expectation that the conduct of his future self would give him the clue he missed, and would render the solution of these riddles easy. (4.38)

Scrooge chooses to invest himself in the experience, even though he totally doesn't get why they are listening to this conversation between some business dudes. It's this decision to "treasure up every word" that marks him a changed man already, don't you think? Is his denial here a mark of resistance to the transformation or just straight up cowardice?
"Before I draw nearer to that stone to which you point," said Scrooge, "answer me one question. Are these the shadows of the
"Men's courses will foreshadow certain ends, to which, if persevered in, they must lead," said Scrooge. "But if the courses be departed from, the ends will change. Say it is thus with what you show me!" (4.151-153)

Scrooge freaks out that everything might be determined by fate rather than free will. Seriously, Ghosties, why show him these things if he has no power over them? No fair. And in general the novel's idea is that there is no reason to feel guilty or question decisions unless you have free will. Otherwise the outcome of your choices is