Answer:
This is what I believe he means when he says "the poor need kindness most of all."
I think Dickens is showing the reader that Scrooge is a person who wants to keep his money and thoughts to himself. The way he acts has changed because of his past. Scrooge was lonely as a child. As a young man, he worked for a kind and giving man. Ebenezer, on the other hand, had a lot of big dreams. He also wanted to earn as much money as he could, and this is what had changed Scrooge's personality as well as his own. His fear of having to lose all of his money and business has changed his social life, and his personal life. It's affected him both mentally and physically, and he's not the same person he used to be now. He hasn't been there for his friends or his family, and he also seems to forget about himself and not care about how he looks or how he feels. He's giving up his health and well-being for money. Fear of not having enough money has changed him.