Rather than focusing entirely on Scrooge's shortcomings, let's take a look at some of his strengths.
For example, Scrooge is scrupulously honest.
Scrooge’s name was good upon ’Change, for anything he chose to put his hand to.
The term "'Change" refers to the London Stock Exchange, and this means that Scrooge can be taken at his word—not only at the Exchange, but in any of his business dealings.
It comes as no surprise, then, that Marley trusted Scrooge implicitly.
Scrooge was his sole executor, his sole administrator, his sole assign, his sole residuary legatee, his sole friend, and sole mourner.
It also means that, at one time in his life, Scrooge had at least one friend.
Scrooge is generally unsentimental and extremely practical.
Scrooge was not so dreadfully cut up by the sad event, but that he was an excellent man of business on the very day of the funeral, and solemnised it with an undoubted bargain.
Scrooge's practicality and lack of sentimentality are also shown by his lack of concern for the "Scrooge and Marley" sign hanging outside the counting house.
Scrooge never painted out Old Marley's name. There it stood, years afterwards, above the warehouse door: Scrooge and Marley.
Scrooge's lack of sentimentality even extends to Christmas, one of the most sentimental days of the year.
"If I could work my will,” said Scrooge indignantly, “every idiot who goes about with ‘Merry Christmas' on his lips, should be boiled with his own pudding, and buried with a stake of holly through his heart. He should!”
There's also a suggestion that, although Scrooge doesn't particularly care much for other people or their company, he isn't particularly egocentric.
Sometimes people new to the business called Scrooge Scrooge, and sometimes Marley, but he answered to both names: It was all the same to him.
This might also be another example of Scrooge's practicality. A person's ego can sometimes interfere with a business deal, so Scrooge might have reasoned that it was more practical not to have an ego.
Oh! but he was a tight-fisted hand at the grindstone, Scrooge!
Bob Cratchit knows this all too well. Scrooge expects a day's work for a day's wages, even if the wages he pays seem to be well below poverty level.
“And yet,” said Scrooge, “you don't think me ill-used, when I pay a day's wages for no work.”
That Dickens called Scrooge "a squeezing, wrenching, grasping, scraping, clutching, covetous old sinner" supports his fundamental business sense.
Scrooge has a sharp mind, keeps his own counsel, and strikes a hard bargain, all good qualities for a successful businessperson to have.
Hard and sharp as flint, from which no steel had ever struck out generous fire; secret, and self-contained, and solitary as an oyster.
This is an odd simile. Oysters are confined solitarily inside their shells, of course, but they nevertheless function quite well on their own and within the oyster community, the oyster bed. Oysters also sometimes contain a valuable pearl inside their shells.
Scrooge has remarkable self-discipline.
External heat and cold had little influence on Scrooge. No warmth could warm, nor wintry weather chill him. No wind that blew was bitterer than he, no falling snow was more intent upon its purpose, no pelting rain less open to entreaty. Foul weather didn't know where to have him. The heaviest rain, and snow, and hail, and sleet, could boast of the advantage over him in only one respect. They often “came down” handsomely, and Scrooge never did.
Scrooge is generally unapproachable, and he prefers it that way.
Nobody ever stopped him in the street to say, with gladsome looks, “My dear Scrooge, how are you? . . .
But what did Scrooge care? It was the very thing he liked.
This keeps people at a distance from Scrooge, keeps them out of his business, and allows him to conduct his business dealings without unnecessary distractions.
Scrooge scorns love as eminently impractical, at least in his impecunious nephew Fred's situation.
“Why did you get married?” said Scrooge.
“Because I fell in love.”
“Because you fell in love!” growled Scrooge, as if that were the only one thing in the world more ridiculous than a merry Christmas.
We learn later in the story exactly why Scrooge is so scornful toward love.
Scrooge is extraordinarily single-minded in the pursuit of his own business, to the exclusion of anybody else's business.
It's enough for a man to understand his own business, and not to interfere with other people's. Mine occupies me constantly.
Scrooge has a scientific mind. When Marley's Ghost comes to visit him, Scrooge reasons that Marley's apparition might simply be the result of "an undigested bit of beef, a blot of mustard, a crumb of cheese, a fragment of an underdone potato."
“I have but to swallow this [a toothpick] and be for the rest of my days persecuted by a legion of goblins, all of my own creation."
Even when he is shaking in his slippers at the sight of Marley's Ghost, Scrooge can still think clearly in the moment and ask pertinent questions.
“Who are you?”
“Ask me who I was.”
“Who were you then?” said Scrooge, raising his voice. “You’re particular, for a shade.” . . .
“You must have been very slow about it, Jacob,” Scrooge observed, in a business-like manner, though with humility and deference.
“Slow!” the Ghost repeated.
“Seven years dead,” mused Scrooge. “And travelling all the time?”
Even under duress, Scrooge can pay an honest compliment to a ghost:
But you were always a good man of business, Jacob.
After his traumatic experience with Marley, Scrooge still has the presence of mind to assess his current situation.
Scrooge closed the window, and examined the door by which the Ghost had entered. It was double-locked, as he had locked it with his own hands, and the bolts were undisturbed.
In all, we might think of Scrooge as simply misunderstood, rather than misanthropic. It's all a matter of perspective.