If you look at the Christmas Carol and the billionaire, you can see the difference which is how the characters present themselves. For the Christmas carol, the male name is stooge who is an old grumpy dude. He does not care about nothing, but himself at first. After a couple of events, he shows he is a very selfish person. So later on one day, he has a visit from an old friend in ghost form. He than takes a trip to a past, where he tries to learn his lesson, of how he became the person he is today. Fist it was a visit to when he started to love money over love, which ended to him listening on a person just like him. He had everything he wanted, but died due to his riches and what he ended up like.