Which Ghost Affected Scrooge the Most?

In my opinion, I thought all the ghosts were effective in changing Scrooge's attitude. However, in my opionion, I thought that the third ghost changed him the most out of all four including Marley. The Present Ghost and Past Ghost both showed some scary things in his past and sad things, but the third one was more like a fear tactic. It shocked and scared Scrooge so much that he decided to be merry and cheerful. In the future, he dies lonely and nobody to care for him. Nobody goes to his funeral and people plan to take his money after he has died. This tactic kind of reminds me of the Nazi tactic in World War 2. For example, the Nazis used their weapons and tanks to scare civilians in countries so they would not fight. They gave out speeches of terror which scared people to rebel. So in conclusion, the Third Ghost has done the biggest part of all.