Ms. Scrooge

An elderly, shrewd owner of a savings-and-loan firm who wields power through fear and tight control. Her life has been shaped by greed and loss, but the three spirits push her toward self-reflection and reform. Her journey moves from merciless businesswoman to someone who seeks to repair the damage her choices caused.

Ebenita’s nephew and the local church minister, a moral compass who challenges her stingy ways. He embodies forgiveness and community responsibility, and his confrontations with Ebenita drive much of the emotional arc.

Founder and former owner of Ebenita's firm, now bound by chains forged by greed. Her ghostly presence serves as a warning and catalyst for Ebenita to break the cycle of selfish ambition.

Ebenita’s loyal head clerk and a family man who endures poverty with dignity. His son Tim’s illness highlights the consequences of Ebenita’s business choices and the need for supportive measures.

Bob Cratchit's young son who suffers from a congenital illness that requires medical care Ebenita’s policies often fail to provide. His vulnerability becomes a focal point for Ebenita’s awakening.

The spectral guide who takes Ebenita back to her childhood and formative experiences in the Deep South, revealing the roots of her present-day miserliness.

The current Christmas spirit who reveals the lives of Bob Cratchit and Luke to Ebenita, illustrating the contrast between outward poverty and inner kindness.

The silent future-ghost who shows Ebenita the possible consequences if she remains unredeemed, including Tim's fate and the fate of her firm.

A vivid backstory glimpse at Ebenita's early life in the Deep South, shaping her ambitions and fears and setting up the later choices she makes.

A later childhood chapter showing the evolution of Ebenita’s character through hardship and the family’s struggles, foreshadowing the path toward her later greed and potential redemption.