In stave 2, why does Scrooge's girlfriend think Scrooge is obsessed with money?

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Scrooge's fiancee, Belle, tells him sadly that a "golden idol" has replaced her and become first in his heart. She tells him he has become too obsessed with making money.

He replies that there is nothing the world is so hard on as poverty; there is nothing the world pretends ("professes") to condemn as much as the pursuit of wealth. In other words, he is telling her that there is nothing wrong with trying to make money.

Belle responds that Scrooge is too fearful of the world. She says he has dropped all his "nobler aspirations" and become fixated on gain.

She also tells him that she can sense he now regrets becoming engaged to her, a poor young woman, and wishes he were free to marry someone wealthy. Scrooge can't absolutely deny this, so Belle releases him from his engagement with her, something he doesn't try to prevent.

In short, Belle thinks Scrooge has become too obsessed with money because he is fearful of what the world will do to him should be become poor. He is driven by a negative emotion, fear, that has erased all his positive feelings and made him single-minded in his pursuit of wealth.

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With the Ghost of Christmas Past in Stave Two, Ebenezer Scrooge finds himself a young man, sitting beside "a fair young girl in a mourning-dress" who tells him that he has changed as all his other hopes have

"merged into the hope of being beyond the chance of its [money's] sordid reproach. I have seen your nobler aspirations fall off one by one, until the master-passion, Gain, engrosses you...."

The young lady tells Scrooge that when they were poor, he was another man.  Now, he is changed and what once promised happiness now is fraught with misery as they are two.  She adds that if he were now choosing a girlfried, he would not choose her, but, instead, would select someone who could bring him "Gain," and view their separation as an "unprofitable dream."  As she breaks off the engagement, she adds that she hopes he will be "happy in the life you have chosen."

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