I came across this weeks ago when I got into an argument with someone. 
First, the story, The Parable of Talents:
A talent is 75 pounds of silver or gold. Call it a million dollars.
I took the side of the 3rd servant.
The person I was arguing with took the side of the master.
Each according to his abilities huh?
Guess not everyone is created equal.
Clearly these 3 servants are slaves right?
The master admitted he reaps what he doesn't sow.
He's harsh.
The 3rd slave is clearly afraid of him.
Maybe he didn't like what the other 2 slaves did to double their money. (probably buy and sell more slaves)
Should have put the talent in the bank to earn interest?
Isn't that usury?
The rich get richer and the poor get poorer? gah!
So I looked around, and it seems most Christian websites take the side of the master.
https://bible.org/seriespage/27-parable-talents-matthew-2514-30-luke-1912-28
Darn those lazy slaves
All of eternity away from God's light because he ... did nothing.
And I thought the way to heaven was through faith alone, not a result of works?
I wouldn't mind so much if this was the old Testament, but it shows up in the New Testament, twice!
Am I completely wrong?
Is the master in the right and the 3rd servant in the wrong?
Would appreciate opinions.

First, the story, The Parable of Talents:
Matthew 25:14-30King James Version (KJV)
14 For the kingdom of heaven is as a man travelling into a far country, who called his own servants, and delivered unto them his goods.
15 And unto one he gave five talents, to another two, and to another one; to every man according to his several ability; and straightway took his journey.
16 Then he that had received the five talents went and traded with the same, and made them other five talents.
17 And likewise he that had received two, he also gained other two.
18 But he that had received one went and digged in the earth, and hid his lord's money.
19 After a long time the lord of those servants cometh, and reckoneth with them.
20 And so he that had received five talents came and brought other five talents, saying, Lord, thou deliveredst unto me five talents: behold, I have gained beside them five talents more.
21 His lord said unto him, Well done, thou good and faithful servant: thou hast been faithful over a few things, I will make thee ruler over many things: enter thou into the joy of thy lord.
22 He also that had received two talents came and said, Lord, thou deliveredst unto me two talents: behold, I have gained two other talents beside them.
23 His lord said unto him, Well done, good and faithful servant; thou hast been faithful over a few things, I will make thee ruler over many things: enter thou into the joy of thy lord.
24 Then he which had received the one talent came and said, Lord, I knew thee that thou art an hard man, reaping where thou hast not sown, and gathering where thou hast not strawed:
25 And I was afraid, and went and hid thy talent in the earth: lo, there thou hast that is thine.
26 His lord answered and said unto him, Thou wicked and slothful servant, thou knewest that I reap where I sowed not, and gather where I have not strawed:
27 Thou oughtest therefore to have put my money to the exchangers, and then at my coming I should have received mine own with usury.
28 Take therefore the talent from him, and give it unto him which hath ten talents.
29 For unto every one that hath shall be given, and he shall have abundance: but from him that hath not shall be taken away even that which he hath.
30 And cast ye the unprofitable servant into outer darkness: there shall be weeping and gnashing of teeth.
A talent is 75 pounds of silver or gold. Call it a million dollars.
I took the side of the 3rd servant.
The person I was arguing with took the side of the master.
Each according to his abilities huh?
Guess not everyone is created equal.
Clearly these 3 servants are slaves right?
The master admitted he reaps what he doesn't sow.

He's harsh.

The 3rd slave is clearly afraid of him.
Maybe he didn't like what the other 2 slaves did to double their money. (probably buy and sell more slaves)
Should have put the talent in the bank to earn interest?
Isn't that usury?

29 For unto every one that hath shall be given, and he shall have abundance: but from him that hath not shall be taken away even that which he hath.
The rich get richer and the poor get poorer? gah!

So I looked around, and it seems most Christian websites take the side of the master.
https://bible.org/seriespage/27-parable-talents-matthew-2514-30-luke-1912-28
The third slave is lazy, and thus useless, as opposed to being hard-working, and therefore useful. He does not “go to work” with his master’s money, over a lengthy period of time, and thus make a profit. He does no work for a lengthy period of time and thus is useless.
What, then, is the root of this third slave’s problem? I believe it is his view of his master, and thus the work his master has assigned.
Darn those lazy slaves

We should be careful to recognize that in this parable the mere possession of a talent is not evidence of salvation. The one-talent slave is clearly not saved; he is condemned to hell.
All of eternity away from God's light because he ... did nothing.
And I thought the way to heaven was through faith alone, not a result of works?
I wouldn't mind so much if this was the old Testament, but it shows up in the New Testament, twice!
Am I completely wrong?
Is the master in the right and the 3rd servant in the wrong?
Would appreciate opinions.