Steven E. Landsburg defends Scrooge:
If you build a house and refuse to buy a house, the rest of the world is one house richer. If you earn a dollar and refuse to spend a dollar, the rest of the world is one dollar richer—because you produced a dollar’s worth of goods and didn’t consume them.
Who exactly gets those goods? That depends on how you save. Put a dollar in the bank and you’ll bid down the interest rate by just enough so someone somewhere can afford an extra dollar’s worth of vacation or home improvement. Put a dollar in your mattress and (by effectively reducing the money supply) you’ll drive down prices by just enough so someone somewhere can have an extra dollar’s worth of coffee with his dinner. Scrooge, no doubt a canny investor, lent his money at interest. His less conventional namesake Scrooge McDuck filled a vault with dollar bills to roll around in. No matter. Ebenezer Scrooge lowered interest rates. Scrooge McDuck lowered prices. Each Scrooge enriched his neighbors as much as any Lord Mayor who invited the town in for a Christmas meal.
Robin Hanson nods:
Humans have had literally millions of years experience begging from one other. Many primates do it, as do foragers. A supplicant appeals to common feelings that one should help associates in need when one is doing well, in the expectation of getting help later when you are in need, and also of sending good signals about your loyalty and ability.
Associates who hint that you should be less miserly and make more overt gifts are not at all hoping that you will spread your gift equitably across the world. They are instead hoping that you will unequally focus most of your gift on them.