Watching this over, and Fred seems like a pretty crap nephew...
Whether he knew that Scrooge could see them playing, what on earth is he doing involving his own uncle/family member in such a horrible description? Scrooge isn't the most kindest, but for such an apparently merry and kind-hearted nephew, that was awfully cold-hearted to say about anyone, let alone his family.
EDIT: I must say I also teared up at over Tiny Tim and Scrooge in the graveyard thank goodness for a happy ending, seriously.