You can be so penurious and parsimonious, so selfish and greedy, such an avatar of avarice that a trio of ghosts must haunt you to get you to behave like a basic human being.
Today, that's the norm, what our culture celebrates. And the Ebenezers can feel warm about themselves once a year, while watching theater or the BBC, never making the connection, never leaving a good tip, never giving the homeless a buck, never paying an employee "more than what the market will bear."