Okay, so this theory isn't "stupid" per se -- the show has made several Dickens references and there are clearly themes of redemption throughout each characters' storylines, as well as the flashback, present, flash-forward storytelling devices. This theory actually shows a lot of creativity and thought (no, it's not mine).
I just can't figure out how Jacob being like Jacob Marley has any practical significance for the show. How does it add anything that we dont already know? Is Jacob a ghost then? Who is Scrooge? Who are the other ghosts who visit him? And most importantly, who is Tiny Tim, because someone has to say "God bless us each, every one."
No, this is not really stupid (it's pretty cool, really), but since I can't exactly figure it out, it's close enough to make the list.