I just started this one and, I have to say, I was rather shocked by Mur's into. I'm not too sure where she got the idea that, in A Christmas Carol, Scrooge's primary motivation was a fear of death. Mortality played into it, yes, but I would definately say it was pretty apparent that he was motivated by a fear of avoiding both a miserable life both on earth and in the afterlife (I think Marley pretty strongly indicated that he'd suffer for eternity under the weight of his own sins...). Her intro really confused me and, maybe I'm going out on a limb here, but I might say that it was overly subjective.
As for the story itself: it was well narrated, but it was pretty thin plot wise. It felt like the description of a concept, rather than an actual plot with an arc etc.