Our title alludes to the three Christmas ghosts encountered by Ebenezer Scrooge in \textit{A Christmas Carol}, who guide Ebenezer through the past, present, and future of Christmas holiday events. Similarly, our article will take readers through a journey of the past, present, and future of medical AI. In doing so, we focus on the crux of modern machine learning: the reliance on powerful but intrinsically opaque models. When applied to the healthcare domain, these models fail to meet the needs for transparency that their clinician and patient end-users require. We review the implications of this failure, and argue that opaque models (1) lack quality assurance, (2) fail to elicit trust, and (3) restrict physician-patient dialogue. We then discuss how upholding transparency in all aspects of model design and model validation can help ensure the reliability of medical AI.
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