How does Dickens present Scrooge as a fearful character? Please help!

Dickens's description of Scrooge in the opening pages of the story makes him out to be a fearful person, almost a fairytale ogre. Even the dogs, we're told, know to pull their masters away from him when he walks down the street, and the beggars never ask him for a penny. Children know to stay away from him. His cold soul makes him almost supernaturally impervious to any cold weather, so that he can withstand sleet and ice without even noticing, as if even the winter elements are warmer than he is.
Dickens's narrator pictures him as follows:

Oh! But he was a tight-fisted hand at the grindstone, Scrooge! a squeezing, wrenching, grasping, scraping, clutching, covetous, old sinner! Hard and sharp as flint, from which no steel had ever struck out generous fire; secret, and self-contained, and solitary as an oyster. The cold within him froze his old features, nipped his pointed nose, shrivelled his cheek, stiffened his gait; made his eyes red, his thin lips blue; and spoke out shrewdly in his grating voice.

We're told in the above passage that he's cheap (tight-fisted), hard and sharp, grasping and grating—a scary figure.
After telling us about what a fearful monster Scrooge is, frightening dogs and children, Dickens then shows us him in action on Christmas Eve, a man whose heart is so hard he would rather the poor starve or go to the workhouse than to give any money towards charity—even though he is a wealthy man. He doesn't want to visit his nephew for Christmas, and he begrudges his poor clerk the one day a year off Christmas represents. Dickens definitely makes Scrooge a person one wouldn't want to be around—there is not one shred of the warm, fuzzy, or lovable about him.