At the time of writing people walked in the majority few used carriage unless they were well off. The people of the time, mostly poor were living from day to day and the ability not to walk in snow was not an option it was work or starve.
Scrooge sees what Christmas is like for people that are around him at the time, he also sees Tiny Tim Cratchit and is shocked to hear that he was life limited and would not see another Christmas - Now Scrooge starts to understand the true meaning of Christmas
The spirit of Christmas Yet to Come had the greatest effect on Scrooge because it showed him the potential outcome of his current actions - a lonely death and being forgotten by all. This stark vision of his future served as a powerful wakeup call for Scrooge, motivating him to change his ways and embrace the spirit of Christmas.
The ghost of Christmas Yet to Come, also known as the Ghost of Christmas Future, had the most profound impact on Scrooge by showing him the potential consequences of his actions and how his current path would lead to a lonely and miserable death. This vision compelled Scrooge to reflect on his life and make a transformation towards generosity and kindness.
all three but the the one that really made him look at himself was the Ghost of Christmas Yet to Come
Oh, dude, like, the most terrifying spirit to Scrooge was totally the Ghost of Christmas Yet to Come. That hooded, silent figure was giving off major creepy vibes, like, no doubt. Scrooge was shook by that silent treatment and those ominous vibes, for sure.
By showing him what his own future would hold and the effect on others of his death
The Ghost sought to remind Scrooge that the Christmas season can be devastating for a child forced to be alone. Scrooge, of all people, should have been aware of this fact; but his life of greed had erased this fact from his thoughts. This is why the Ghost, after showing Scrooge the latter's boarding school, and hearing Scrooge state, "I could walk it blindfold!", pointed out, "Strange to have forgotten it for so many years."
The only ghost to have this effect was the Ghost of Christmas Yet To Come. This ghost did not speak only gestured. This unnerved Scrooge especially when Scrooge was seeing the death of someone (who we assume Scrooge thinks it might be him) and the ghost does not confirm of deny this fact but responds with taking Scrooge to scenes of people talking about the sudden death of "the man". During this Scrooge realises the man is in fact himself and finally he is taken to the grave of "Scrooge" where he sees his existence in eternal torment.
It has been argued the Frank Capra classic is an indirect modern adaptation with some changes in the plot, Banker is contemplating suicide-unlike Stand-pat Pre-nightmare Scrooge, -of the Dickens" Christmas Carol. Also Angels are used rather than ghosts or spirits. In effect a modernized Scrooge tale.
Scrooge cannot cover the Ghost of Christmas Past with the metal cover because the ghost is intangible and not physically present. Since the ghost is a spirit, the physical cover would pass through it without effect.
He didnt - when questioned the discussion was "``Poor boy!'' and cried again. ``I wish,'' Scrooge muttered, putting his hand in his pocket, and looking about him, after drying his eyes with his cuff: ``but it's too late now.'' ``What is the matter?'' asked the Spirit. ``Nothing,'' said Scrooge. ``Nothing. There was a boy singing a Christmas Carol at my door last night. I should like to have given him something: that's all.''
There were four spirits that visited Scrooge that night: the ghost of his dead partner Marley; the Ghost of Christmas Past, who "took" Scrooge back in time to Christmases--both good and bad--when Scrooge was younger; the Ghost of Christmas Present, who "took" him to his nephew Fred's home and the Crachit's home, to show him how joyously they were enjoying the season, in spite of being poor; and the Ghost of Christmas Yet to Come, who "took" him into the future to scenes relating to Scrooge's own death. Scrooge convinced the last Spirit to leave by promising it he would change.