Marley, who only appears in Stave 1 of A Christmas Carol, has died seven years prior to the setting of the story. We can assume that Marley was as tight and greedy as the character of Scrooge when they both worked together.
Dickens introduces the character of the ghost of Marley into the story to warn Scrooge of the consequences of his selfish life, for example how Marley says he is condemned to wander the world bound by chains, chains he says he forged in life (suggesting to Scrooge that he has a choice). In this quotation, we see Marley warning Scrooge not to end up as he has.
Character Profile: Jacob Marley.
In life, Jacob Marley was the business partner of Ebenezer Scrooge. Together, as the firm of Scrooge and Marley, they became successful yet hard-hearted bankers, with seats on the London Stock Exchange. Seven years to the day of his death, on a Christmas Eve, Marley’s ghost visits Scrooge. Bound in chains and a tormented, the ghost is doomed to wander the earth forever as punishment for his greed and selfishness when he was alive. Marley visits Scrooge to offer him redemption from his own fate, in the hope of changing his mean ways. He tells Scrooge that three spirits will visit that night.
“Business!” cried the Ghost, wringing its hands again. “Mankind was my business. The common welfare was my business; charity, mercy, forbearance, and benevolence, were, all, my business. The dealings of my trade were but a drop of water in the comprehensive ocean of my business!”
It held up its chain at arm’s length, as if that were the cause of all its unavailing grief, and flung it heavily upon the ground again.
“At this time of the rolling year,” the spectre said, “I suffer most. Why did I walk through crowds of fellow-beings with my eyes turned down, and never raise them to that blessed Star which led the Wise Men to a poor abode! Were there no poor homes to which its light would have conducted me!”
Scrooge was very much dismayed to hear the spectre going on at this rate, and began to quake exceedingly.
“Hear me!” cried the Ghost. “My time is nearly gone.”
“I will,” said Scrooge. “But don’t be hard upon me! Don’t be flowery, Jacob! Pray!”
“How it is that I appear before you in a shape that you can see, I may not tell. I have sat invisible beside you many and many a day.”
It was not an agreeable idea. Scrooge shivered, and wiped the perspiration from his brow.
“That is no light part of my penance,” pursued the Ghost. “I am here to-night to warn you, that you have yet a chance and hope of escaping my fate. A chance and hope of my procuring, Ebenezer.”
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