Scrooge does not understand why Marley is burdened with his chain. He says that Marley made good money, and Marley laughs, saying that what really matters is being kind to the people around you.
“‘But you were always a good man of business, Jacob,’ faltered Scrooge…’Business!’ cried the Ghost…’Mankind was my business…’” (628)
Scrooge is saying here that it is not money that makes people happy, it is how people treat each other. His old boss had the power to make him happy, not by paying him a certain amount, but by being friends with them and giving them a fair amount of work.
“‘He has the power to render us happy or unhappy; to makw out service light or burdensome; a pleasure or a toil...The happiness he gives is quite as great as to cost a fortune.’” (637)
Scrooge’s fiancee no longer wants to be with him. This is because Scrooge has started making money, and now he has changed in a way that she does not like, as a result of money. She wants to be happy, and the new Scrooge makes her unhappy. Money is what made Scrooge lose the love of his life.
“‘Our contract is an old one. It was made when we were both poor...you are changed…’ She left him, and they parted.” (638)
“But they were happy, grateful, pleased with one another, and contented with the time…” (649)
Even though they are a poor family who don’t have much, they are happy.