Answer:
Other spirits have so far been quite nice, childlike and gentle, they have guided Scrooge through their visions of his behaviour in a firm but sympathetic way . But this last spirit brings the moral lesson home. Reminiscent of the Grim Reaper, he shows Scrooge that the unknown, unseen fate that he is heading for is really something to fear deeply.
Explanation: Scrooge has been in such a small, selfish world that he doesn’t even realize when people are talking about him. He is disturbed by their callous lack of care for the dead man, but doesn’t realize that they are echoing his own cruel phrases and opinions. Scrooge is forced to discard his ignorance and fully face that the dead man is him, with the certain understanding that his greed has led him to the horrible loneliness that he has witnessed in this vision of the future, to a death uncared about by anyone. Face with this vision, with this understanding, Scrooge begins to suddenly and dramatically repent.
Basically the moral of the story is ignorance and greediness. At least that's what I
think
