After his wife's death, Tom decides to take the deal with the Old Scratch. Old Scratch suggests that he become a slave trader, but Tom refuses. The Old Scratch then suggests that Tom becomes a usurer. Tom finally agrees and gets to work.
For years, Tom Walker worked as a corrupt money-loaner. His job revolved around loaning the less fortunate ridiculous amounts of money and raising interest whenever they could not pay the money back in time.
As Tom grew older, he began to realize that his place in the afterlife may be threatened, so he wanted to redeem himself. He started praying and attending church on a regular basis to become one with God.... but the damage was already done.