Trivia: Bill Murray slipping out of the restaurant wasn't scripted, he just slipped on wet steps.
Continuity mistake: The Ghost of Christmas Present introduces herself to Frank Cross by grabbing his tie while floating. When she comes down to earth, she's not holding it.
Answer: It's a vision, not reality, so one could interpret it either way. I think it's more powerful if Calvin is seeing Frank, silently accusing him of being (at least partially) responsible for his (Calvin's) situation.