Why did the ghost point to covered head of dead man in book a Christmas carol?

The ghost pointed to the covered head of the dead man because it represented Scrooge's own fate if he did not change his ways. The ghost was trying to warn Scrooge that he was in danger of dying alone and unloved, just like the man in the coffin. By pointing to the covered head, the ghost was urging Scrooge to take heed of the warning and make changes in his life while he still had the chance.